BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
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: Account status incorrect

Complaint:
Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped XXXX points! ( and keeps dropping ) ... Obviously, this will get anyone 's attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my 2 car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped XXXX points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the XXXX point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.

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 2022-11-07
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
This will be my final attempt to resolve this issue without counsel from a lawyer and contacting the media. It has been almost a year since I have paid for service that can not be rendered to me. I have contacted XXXX XXXX XXXX about XXXX XXXX and did exactly what was asked of me to do. I contacted XXXX XXXX representative for my case several times with no email or phone call back. She directed me to go back to tires plus and get my vehicle reevaluated and I did. I would have contacted Suntrust prior for a dispute but it is their policy to attempt to resolve the matter with the merchant first and overall that was my goal. 

This is my story. XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX for an Alignment on my XXXX XXXX XXXX. After picking up my vehicle I noticed it was not driving as I felt it should so I called, and the service manager told me they could not do the Alignment correctly because of a lack of specifications to my model. He told me I would have to take it to a XXXX dealership to get it fixed properly. I was stunned and contacted XXXX XXXX XXXX. I did not think I would have any issue having my money returned after all they did not properly align my vehicle and informed me, they couldntXXXX XXXX XXXX XXXX had XXXX XXXX reach out to me through their representative XXXX XXXX and she requested that I bring the XXXX back to have it looked at again, so I did and I let her know both by phone and email. I never heard back from her but I did get a new invoice from tires plus on what my XXXX needed in order to be properly aligned and that would cost over XXXX dollars. This is more than I initially paid for my alignment to begin with. After a stall with XXXX XXXX I decided to reach out to Suntrust to dispute the charge as I am not paying over XXXX for an alignment especially since XXXX XXXX  did not inform me prior to payment that they could not do the service without additional money. I provided sunturst with all of the information from XXXX XXXX XXXX and they asked for more information which I mailed in. After about a month I called, and they informed me that it takes 60 days to investigate my claim fully but about 2 weeks later they said that my claim was out of suntrust timeline and they closed my dispute. I have invested more time in trying to be refunded for service I havent received than it would take for me to just earn it. It is just the point that I paid for service that can not be rendered. I feel like I need legal help. I am attaching all files I can find relating to almost a year of fighting for a refund for service I still haven't recieved!

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 2022-11-28
Company: EQUIFAX, 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 sent a request to investigate a XXXX  XXXX  on my credit report to equifax, XXXX. i have received no response of the status or up date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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:
HELLO, I SUBMITTED A CFPB REPORT THE OTHER DAY AND WAS TOLD IT WAS INVALID, SO I AM SUBMITTING. I AM DEMANDING THAT THIS BE TAKEN SERIOUSLY, THERE IS INFORMATION ON MY CREDIT REPORT THAT HAS NOTHING TO DO WITH ME AND AM DISSAPOINTED THAT EACH CREDIT BUREAU ISNT HELPING ME AT ALL ... .. 

MY NAME IS XXXX XXXX XXXX ... .AND I AM DEMANDING THAT PURSUANT TO SECTION 605B OF THE FCRA THAT THE INFORMATION ON THE DISPUTE LETTERS AND FTC REPORT BE BLOCKED ASAP!

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 2020-09-17
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
This company keeps adding this debt that was already removed twice that isn't mine! This collection company keeps fraudulently adding it to my credit bureaus and it needs to be removed. Again. 
Please stop adding this to my credit report as it doesn't belong to me! 

ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 



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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-05-23
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Recurring solicitation of Discover credit card account after numerous attempts to halt this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: OH
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:
Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that XXXX is reporting 30 days late, and XXXX is reporting XXXX as 30 days late, and Experian is reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account 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 2020-09-17
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: Was not notified of investigation status or results

Complaint:
I have requested verification and validation of an account on my report from XXXX XXXX. I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Their investigation did not fix an error on your report

Complaint:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have requested verification and validation of an account on my report from XXXX XXXX. I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.

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 2022-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Demanding that these fraudulent accounts to be remove immediately. This is violation of my consumer rights, and defamation of my character. Attached is the ftc report Portfolio recovery XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have presented HSBC Bank with disclosure of concerns pertaining the request for a debit card that has not been address since the opening of my account. A supervisor has acknowledge the error and noted on the account that indeed a debit card was requested at the time of the account application. The supervisor apologized for the poor practices and said that a debit card would be expedited to me. It has been several months since the opening of the account and I have not been issued a card nor other concerns have been address with propriety. 
The continue failure to act appropriately is unacceptable and I continue to be prevented from using my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ERC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, ENHANCED RECOVERY, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission XXXX FTC XXXX, in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could  cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: MD
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 did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX2 5 XXXX XXXX XXXX 6 XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXX 9 XXXX XXXX XXXX 10 XXXX XXXX XXXX 11 XXXX XXXX XXXX 12 XXXX XXXX XXXX 13 XXXX XXXX XXXX XXXX 14 XXXX XXXX XXXX 15 XXXX XXXX XXXX 16 XXXX XXXX XXXX 17 XXXX XXXX XXXX 18 XXXX XXXX XXXX 19 XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX XXXX 22 XXXX XXXX XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX 25 XXXX XXXX 26 XXXX XXXX XXXX 27 XXXX XXXX 28 XXXX XXXX XXXX 29 XXXX XXXX 30 XXXX XXXX XXXX 31 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 33 XXXX XXXX 34 XXXX XXXX XXXX 35 XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX 

The following inquiry is more than XXXX years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: AR
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:
ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT XXXX   AUTO LOAN NOXXXX.

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 2023-07-17
Company: Genesis FS Card Services, Inc.
State: MD
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 is reporting inaccurate information on my credit report to all three credit agencies .They are informing XXXX XXXX XXXX and XXXX of 30 days and 60 days late payments in the same month and year XX/XX/2022. That is inaccurate, I am sending proof of payment receipts and emails of communication. I never received a late payment statement or phone call indicating rejected payment or given the time allowed to correct the error if made by me in the time allowed before a late payment is reported.

Company response to consumer: Closed with non-monetary relief