BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 credit reports list monies owed to XXXX. I have written to the collection agency, XXXX XXXX XXXX requesting proof that I owe monies on this account, but none was ever sent. I notified the credit agencies that this creditor never sent me the required proof, yet they continue to list this account on my credit report. 

My credit reports list XXXX XXXX XXXX and XXXX for monies owed to XXXX. I submitted documentation that showed that the original creditor was paid However, the credit reporting agencies continue to list XXXX XXXX on my credit report. Furthermore, two separate collection agencies can not be listed on my creditreport over the same account. 

My credit reports list a bankruptcy that should have been deleted since the 7 years of reporting it has expired.

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 2021-09-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My loan pay off balance is not updated accurately on my credit 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 explanation
Consumer complaint received 2019-04-15
Company: Sum Investments, 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:
On Time Financial is reporting incorrect information on my credit report. I noticed the error and have disputed the account a couple of times with no results. This car loan was paid in full XX/XX/2016. On my Experience it shows that the car was repossessed XX/XX/2016 and XX/XX/2016. Also, report shows that NO Data was reported from XXXX XXXX XX/XX/2016 where is shows the two months of repossession. I have the title for this car as well as a letter from the company that the loan was paid in full and the car no belonged to me. 

I apologize for being so upset, however, your mistakes are causing me a world of trouble.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I applied for a mortgage with XXXX XXXX XXXX. At that time, I was informed that I had a collection account of an amount over {$30000.00}. I was working with my mortgage officer to see what we could figure out about this debt. We had contacted the company via the number listed on the credit report that was pulled by my mortgage company. I have been out of school for over 10 years and have never personally made any payments on this alleged debt. Upon further investigation, my concerns grew greater as I found that there were charged brought upon this company attempting to collect this debt along with the company they are representing as a third party collector. 

When we contacted this number, it took quite a few attempts to actually get someone on the phone. Once we were in contact with someone, I was informed that it was for an alleged private debt that I acquired when I was only XXXX years old. We asked to send validation and/or proof of what this debt was, including but not limited to ; a promissory note, any documentation to prove that this debt was mine, any payment history made along with what accounts they were withdrawn from. As of the date of this complaint and two calls with this company asking them to furnish me with any and all proof that they have that I own this debt ; I have yet to receive anything. 

This is unfair because it is prohibiting me to be able to purchase a new home. The is abusive because I have now suffered from a damaged collection account on my credit report. 

I feel that I've been patient enough in waiting for documentation that was requested months ago on multiple attempts. Yet alone being that the requested documents are from several companies listed in in a CFPB filing and ruling against them for what appear to be the same practices taking place against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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 2021-02-05
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: Information belongs to someone else

Complaint:
Today i went to the XXXX XXXX police station so that officer XXXX could sign my Identity theft victims complaint and affidavit to support my identity theft report. Please see attached supporting documents. I have included my ID and utility bill for verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has failed to process my payment, as outlined in a letter sent to them on XXXX XXXX ( following, with name of banking institution deleted ). They keep sending one line " unable to locate '' and " unable to resolve '' letters, and keep adding charges. 

-- -- -Beginning of letter I dispute all the charges reflected on the attached bill. This credit card was not activated until XXXX XXXX, 2017. There can be no valid charges before this date on this account. 

I had a previous Barclay credit card, a XXXX XXXX card. I called to cancel the account because I didnt want an annual fee. I had already sent check # XXXX on ***** on or about XXXX XXXX for the full amount due on that card ( {$55.00} ). XXXX still has that check. It has never been tendered to my bank and it has not been returned to me. I was offered this new card with no annual fee and I accepted the offer. 

I was notified that my payment was overdue because Unable to Locate. When I called to inquire, I was told that my bank had been unable to locate my checking account on which the check was drawn. On XXXX XXXX, I went to the credit union ( where I have banked without incident for more than 20years ) and learned that the check had never been presented to them. 

That day, from the credit union, with the manager and my checking account numbers at hand, I called XXXX. XXXX told me that XXXX had been unable to process my payment because they did not know to which credit card account it should apply. At the urging of the XXXX agent on the phone, I provided all the information required to process the payment by phone instead of by check. He processed the payment and gave me the reference number XXX. 

When I finally activated the [ new ] card this morning, I saw Purchases of {$110.00}, and interest charges on overdue payments. 

I again called XXXX and spoke with XXXX, representative XXXX. She confirmed XXXX receipt of check # XXXX and of the phone payment under reference # XXXX. I cancelled the new XXXX account on which there has never been a charge. 

You still have my original check plus the reference number showing my good faith effort to remedy your error by providing a substitute payment by phone. The telephone number for XXXX XXXX XXXX is XXXX if you need help figuring out how to process one of the referenced timely payments. It is an unlawful debt collection practice to attempt to collect a debt that is not due. I expect no further collection attempt or adverse credit action. 
XXXX End of letter This week I received a new bill, this time for {$82.00}.

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 monetary relief
Consumer complaint received 2023-07-05
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: Investigation took more than 30 days

Complaint:
The following companies have taken more than 30 days or more to respond and not resolving my complaints being made. This is the last warning before legal action will be taken against them I have documented over 35 CFPB complaints that have all come back with untruthful verified claims. I also have COPIES OF ALL CORRESPONDANCE WITH EXPERIAN, XXXX AND XXXX WHO FAILED TO REMOVE THE INACCURATE INFORMATION. EXPERIAN STATED THEY WOULD NOT REMOVE ANY ADDRESSES CONNECTED TO CREDITORS WHO CLAIM THE ADDRESSES ARE MINE. I HAVE ALL THIS ON RECOREDED PHONE CONVERSATIONS WITH EXPERIAN, WHICH I HAVE PROVEN ARE NOT MY ADDRESSES. I ALSO HAVE IN WRITING AND WILL BE USED BY MY LEGAL COUNSEL AGAINST XXXX XXXX, XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX AND XXXX XXXX WILL ALL BE SUED IF NOT DELETED IMMEDIATELY THIS IS THE LAST AND FINAL WARNING BEFORE LITIGATION. IDENTITY THEFT AFFIDAVITS AND AFFIDAVITS OF TRUTH HAVE ALL BEEN SENT AND WILL BE USED TO SUE FOR DAMAGES AS ALL FCRA AND THEIR CLIENTS REFUSED TO RESPOND. WE WILL BE ASKING FOR THE AMOUNT OF {$500000.00} FOR DAMAGES AND LOSS OPPPORTUNITIES. 

THE FOLLOWING ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR FACE FEDERAL LAWSUIT XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-14
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 called the TransUnionXXXXExperian after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the Experian and TransUnion last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$9800.00}.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-04-06
Company: EQUIFAX, INC.
State: MI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I Have applied for a Loan, And been Scammed into a Fraudulent activity. I dint Know. Its has hurt my account and caused it to be in a Negative Balance. I have been on the phone with my Bank all last week. It has falling on me. All this begin on XX/XX/19. Now i just do know what to do, i am in hole. My bank should see my History and know i have not done any like this before. My bank act so cold towards me like they do not care. i am very surprise at them and very hurt.

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 2022-08-11
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-04
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma said I had excellent odds of being approved for a credit card and I was denied. Causing my credit score to lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used Home Depot Store 's credit card to buy an item at the store, and I didn't receive the statement ; however, the next time that I was in the store, I paid for what I had bought. I then received the statement. I called up their credit service department and advised them that I had already paid the bill. I was told that my payment was a couple of days late. The new statement was for the late fees {$38.00}. I told them that the fees were more than the item I bought ( {$34.00} ), and the late fees needed to be removed. I was told that it couldn't be done, so I told them to close the account. 
As of today date ( XX/XX/2020 ), they continue to add late fees plus interests on top of late fees. 
They also reported to the credits bureaus. My credit score has been negative impacted.

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 2019-11-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 Friday, Chase Bank, XXXX XXXX, ( Mgr : XXXX XXXX ), XXXX XXXX, XXXX XXXX, Michigan, XXXX. 
My deposits and withdrawals do not add up, reflecting a negative balance of $ XXXX. 
I talked with the bank manager to resolve the issue, she escalated this information further and was told someone would get back to me. 
My Account had a negative balance of {$5.00} this morning, before the deposit of XXXX. 
Account owing {$2000.00} ... ... .withdrawals of - {$21.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( ATM withdrawal at this bank ) XXXX approximately XXXX. My balance is XXXX. 

The bank accessed a fee of {$34.00} for being over by {$.00}. It was reversed today. Therefore, the bank says it cancels each other out, it should not reflect a change in my balance if it cancels each other out? BUT IT DOES. SEE ABOVE. 

I do not have access online to my account, locked out. I signed up for overdraft protection ( was approved ), alerts to new charges and low balances by text and email. I do not receive them at all. 

My debts and deposits do not add up. I keep having this issue from MICHIGAN TO OHIO. When something is returned or reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: NC
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 fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. 
The company XXXX XXXX XXXX did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both Experian and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from XXXX XXXX XXXX. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance Carmax claims I owe which is {$6500.00}, while XXXX shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.

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