BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Today ( XX/XX/XXXX ) I checked my credit score from XXXX XXXX, I have a XXXX rating from transunion and XXXX. So I wanted to check Experian to see if all three credit companies had the same rating for me. 
Experian had a score of XXXX for me and incorrect information on two closed history accounts that have been removed from XXXX and XXXX. 
I called to file a dispute on a XXXX  XXXX account that was showing a charge off three months past the time it was paid. It was also showing charge off when I was making monthly payments every month since XX/XX/XXXX. This account was paid off on XX/XX/XXXX. 
The person I talked to was trying to persuade me to not file a dispute, I insisted but do not know for sure if they went through with it. 
The second account was the same. A XXXX account that was paid off on XX/XX/XXXX. 
Their records show that it was still in arrears XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like for these accounts to be removed from my credit report. 
This is egregious behavior for a credit reporting agency to miss these very important facts that determine the paths of peoples lives.

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 2019-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i asked for correction of payment history as predatory lending had occurred only response i received was i have no account with them

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 have the inquiries on my TransUnion credit report but i did not initiate them XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-10-29
Company: Experian Information Solutions 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:
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, XXXX XXXX XXXX account XXXX XXXX XXXX has 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 : 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 or 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 know 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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 the following credit inquiries on my transunion credit report. 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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX is providing false information about my background. Specifically, company is reporting an eviction. Attached documentation shows the case was dismissed per the clerk of court.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

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 2019-12-11
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have made several attempts to resolve this. First I was never notified of the debt but it was placed on my credit report. I already had insurance with another company on the days they are charging me for. Anyhow I paid it since they agreed it would be removed. 
Second My wife called the original creditor who I have on a recorded line saying they would delete after payment. 

Third the company has failed to respond to my validation of debt request! I have kept a paper trail and plan to seek legal council if this does not get deleted permanently. This was a XXXX charge they are stating and why would I risk XXXX going on credit? No one ever notified me that I owed anything or I wouldve paid it prior it is illegal to insert a debt on someones credit report without proper notification. 

DO NOT CONTACT ME BY PHONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
On XX/XX/2019 Netspend is currently my trusted bank and they misused my funds for their own personal use. Netspend withheld held my funds from me when I mentioned I was in a state of emergency. A netspend phone representative did not allow me to speak to a supervisor to discuss some financial matters on my account. On XX/XX/2019 I reported my card stolen and requested for a replacement. On XX/XX/XXXX I sent some money from my netspend account to western union   for pick up. XX/XX/XXXX at XXXX I tried to transfer again however I was denied. I tried to call netspend, the automatic phone responder claimed that the call center was closed during advertised business hours. XX/XX/XXXX at XXXX A phone responder denied me access to her supervisor. The operator explained that the reason for me being unable to make a transaction on the account is because I didn't have an active card. This is not true I made a transaction XX/XX/2019. The representatives continuously lie and give customers the run around. This company is practicing deceptive practices such as keeping customers money and misleading information regarding their accounts. This company offers many services that they do not provide.

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 2017-10-03
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I been trying to settle this account for several months, I send several offers in order to settle this account, but the lender refuses to provide me with a counter offer or mentioned a percentage to settle. Please help with this burden of my back. Really appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Bread Financial Holdings, Inc.
State: CA
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:
On XX/XX/2023, I used my Sony Visa Credit Card issued by Comenity Bank to made a purchase of {$32.00} at XXXX XXXX XXXX. Unfortunately, the merchant ( located in another country ) mistakenly charged my credit card THREE separate times, instead of just once. I promptly disputed the two extra charges ( {$32.00} each, for a total of {$65.00} ) with my credit card company and provided a full explanation with documentation and a receipt. Comenity Bank took 90 days to investigate. On XX/XX/2023, I received a formal letter stating that I am not responsible for the disputed amount and that they had made a correction to my account. However, no correction was made. No credit was issued. I have called Comenity Bank multiple times and have messaged them online multiple times. They have still not resolved this issue. I want my money back for the two extra charges of {$32.00} that total {$65.00}. I have attached my credit card statement that shows three repeated charges from XXXX XXXX XXXX, which are captured on paged 1 and 2. I have also attached the letter from Comenity Bank, stating that I am not responsible for the disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have noticed that XXXX XXXX have placed an inquiry on my TRANSUNION credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.

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 2021-03-13
Company: Experian Information Solutions 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:
on XXXX I sent a letter to experian concerning the validation of unverifiable/inaccurate accounts that were shown on my credit report. Till this date they failed to respond to my dispute and failed to show me proof on how they were able to verify these account. I am seeking litigation, please delete at once.

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 2020-11-11
Company: Reel Time Capital LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a collection letter on XX/XX/XXXX from XXXX XXXX XXXX which is owned by Reel Time Capital, LLC ( a company created for a foreign entity in XXXX in XXXX, FL ). See recent CFPB complaints XXXX and XXXX for information on the XXXX XXXX XXXX XXXX. 

Today, we received a call from the company. Following are details of that call that we also provided to the Nebrasaka Attorney General 's Office : - The call came from the company that XXXX XXXX XXXX turned over the collections to at about XXXX XXXX CT. 
- The call came from number XXXX and the person introduced themselves as Mrs. XXXX. 
- Mrs. XXXX said that she was calling us about our outstanding XXXX loan. When my wife said that we never opened a loan, Mrs. XXXX asked if we had a case number from a police report. She also said that they have more information for us, but we have to validate ourselves to them. 
- My wife said that we would not be providing any more information since we did not open any loan with anyone. Mrs. XXXX then said that they would continue to contact us and that the loan will not go away. As my wife started to ask another question, Mrs. XXXX abruptly hung up on her, - The number left by Mrs. XXXX to call her back was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: AMERICAN EXPRESS COMPANY
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 belongs to someone else

Complaint:
My identity was stolen in XX/XX/XXXX. I received a letter from the FBI n XX/XX/XXXX notifying me of that fact. Then in XX/XX/XXXX I got a letter from American Express informing me that my credit line was being reduced from {$11000.00} down to {$5900.00} and cash advances of {$200.00} the reason and information was based on information provided by XXXX. My credit score was as high as XXXX. During that time I sent several letters to all of the credit agencies to correct my credit files. I tried to make sure that the agencies had accurate information. After reviewing my old letters, I remembered that I also had at those credit monitoring services one with XXXX and one with XXXX and they really did n't catch anything. I lost confidence in the service because one of the crooks was monitoring my account as well. 

To this day ever since I wrote letters to XXXX canceling my monitoring service and complaining about their service, it seems like I 've been placed on their enemies lists. I do n't know if one really exists, but here 's what I mean. My American Express credit limit is still {$5900.00} and {$200.00} in cash advance. I paid the balance off back in XX/XX/XXXX and nothing has changed since that time. Even after I got the police report and became a confirmed victim of Identity theft and I never missed a payment on any account. Wrote several times correcting everything. XXXX was especially slow about updating my files until I sent a letter saying I was trying to refi my home and all of a sudden they cleaned my file up to an extent. Over the years they have continued to play games, 2 years ago I had another back and forth to remove a lien error. The exchange was brief but I sent a few letter and it really was the only negative item on my file other than card balances. I am refinancing my home now and 2 out 3 credit reporting agencies have my credit history as too short or insufficient. XXXX and XXXX. XXXX has my credit score at XXXX and all of the lenders are using XXXX low score to quote me a loan. I got a quote from XXXX they only used XXXX 's score. I got a quote from XXXX XXXX they are only using XXXX 's low score and key factors on credit score form. Which states that length of revolving account history is too short. 

It seems as though XXXX is retaliating against me and keeping my score at the lowest possible range score it can justify and then also obscure my credit history by throwing in some XXXX like " length of time revolving accounts have been established is too short. '' When they know full well I have an extensive credit history. I have filed a similar compliant but once i looked at my old notes I wanted to add more. XXXX is no saint either. They are telling the same lie in attempt to present me as a risky borrower despite my 27 year excellent credit history. Completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I 'm trying to sign up for a company called XXXX. My error Message is td bank is blocking you from enabling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name 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 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 2023-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have XXXX authority or legal position to make this claim. If you continue to decline my position I will be contacting my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the XXXX  days required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for consumer credit and am need of all of the records and files both private and public associated with such transaction. I am also claiming all rights, titles and interest to my application that was denied and want the check to be sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Illinois XXXX in 5 days.

Company response to consumer: Closed with explanation