BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
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:
THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 OF MO ; 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 I ; XXXX  ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.

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 2023-11-29
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: DISCOVER BANK
State: NY
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 these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
i have sent Experian several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked XXXX to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.US SM BUS ADMIN ODA- XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the 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 explanation
Consumer complaint received 2021-01-26
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have an account on my credit that has a different social security number on it it is not my sos.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was given a cashier 's check by a potential customer for {$2200.00}. This amount was {$1400.00} more than my asking price of {$850.00}. I contacted the customer and inquired about the over payment. They said that this cost was to cover shipping from Los Angeles to New York. I told them that I didn't want to coordinate any shipping and that I would happily refund that portion of the payment as soon as their cashier 's check cleared in a couple of days. On XX/XX/XXXX, I logged into my account and noticed that the cashier 's check had cleared so I felt comfortable in refunding the {$1400.00}. The customer then contacted me upset about how I was withholding their money and no longer wanted to do business with me and asked for a full refund. This all seemed suspicious so I did not refund their money in full and instead contacted my bank about this check because I noticed a small error message next to it when I would log into my online banking account. The bank notified me that the check was a fraud check and that my account was going to be frozen and that they would be taking back the total check amount since it turned out to be fraudulent. My bank is holding me accountable for the {$1400.00} I paid this individual. I only paid this scam artist back the over payment in the first place because their check cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Greetings, Please refer to case # XXXX in regards to background information on this matter. XXXX has responded to this case by closing my account and partially refund the remaining balance. On XX/XX/XXXX, I had at least {$3000.00} dollars available in my locked account. However, only XXXX was refunded back to me. {$500.00} is still being withheld by bluebird for the past 3 months. 

I am respectfully requesting a monthly statement for the months of XXXX thru XXXX detailing the transactions that transpired during this period. Furthermore, I am requesting that my all remaining funds be refunded back to me. 

I recommend that this matter be also forwarded to XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. This lack of transparency on the movement of my funds and witholding of funds for at least 3 months rises to the level of criminality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My son passed away. I took the order of summary administration to PNC in XXXX XXXX XXXX, XXXX, and they refuse to release the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: General Motors Financial Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXXXX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX  XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXXXXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX  NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO XXXX XXXX CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Lending Club Corp
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 is missing that should be on the report

Complaint:
I refinanced my car loan with LendingClub. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact Lending Club 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We opened Citibank checking account on XXXX XXXX as a new customer. The Citibank offer a promotion " deposit {$15000.00} and maintain for 60days will get {$400.00} bonus '' We However, Citibank did not offer us promotion after we finish all requirements. 
We tried to submit the claim to Citibank. However, they said I am not a new customer. ( see attachment ), which does not make sense.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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

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 2021-01-26
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

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 2018-05-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke to an agent on XX/XX/18, and tried to resolve the account, like this XXXX character advised they would help me do. Offered no type of assistance and refused to set up a payment arrangement or settle the loan, as agreed with this XXXX character, who apparently is a liar, a cheat, fraud. The agent was verbally abusive and disrespectful and refused to assist me and set up a payment arrangement. Would only accept full amount and refused to help. Told me to destroy my credit before they would help me, which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
Aidvantage is reporting balances to XXXX although my accounts were transferred to XXXX. I submitted multiple disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each dispute resulted in XXXX stating Aidvantage verified the debt therefore it can not be removed. I submitted another dispute with XXXX today, XX/XX/XXXX. 

My XXXX report reported duplicate balances from Aidvantage and XXXX up until XX/XX/XXXX. As of then, most of the duplicates from Aidvantage have been removed except XXXX for {$2400.00} and XXXX for {$2100.00}. These also show for XXXX. 

Additionally, I contacted Aidvantage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they informed me I do not owe any balances for them. However, they continue to verify the debt that I do not have. They have not resolved any issues or provided any conclusions of their internal review/dispute process. A supervisor with Aidvantage stated they will submit a credit bureau retraction on XX/XX/XXXX and I will be notified via email, within XXXX business days, of the results of the retraction. 

I have no faith Aidvantage will actually resolve the issue since they have were notified of this issue in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The following fraudulent purchases were made on my credit card. Barclays Bank refuses to credit back the fraudulent charges below. 

1 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

2 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

3 ) XX/XX/2017 {$6000.00} 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