BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX AS WELL AS XXXX DAYS LATE IN XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX - Correction of billing errors ( XXXX  ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2023-07-11
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 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 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 2023-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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: Experian Information Solutions Inc.
State: MI
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  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom It May Concern : I am a XXXXXXXX veteran and run a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all XXXX major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXXXXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXXXXXX XXXX XXXX  1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account XXXX Please investigate the following accounts and remove them from my credit reports Account Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, 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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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: LA
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 on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
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: Their investigation did not fix an error on your report

Complaint:
I have been asking Equifax to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to them in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I then sent a XXXX XXXXquest Proof of Validation Letter on XX/XX/2019 to Equifax and received a response dated XX/XX/2019 the same exact letter from the XXXX response ( another Oscar letter ). I then on XX/XX/2019 sent Equifax another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Equifax requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid and that they would no longer investigate. The letter also was the same Oscar letter i have been receiving from them. Equifax has not been thoroughly been investigating these collections and instead just allow Oscar to generate responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My account with CashCentral ( Community Choice Financial ) is past due, due to hardships I was facing. When they would actually call me, they were aware of this. I'm attaching the last email I received from them, and I'm just getting around to reading. When I call to make payments using either of these numbers ( XXXX XXXX XXXX or XXXX XXXX XXXX ), and also today when I called to find out what I need to do to make a payment, I am/was bounced between departments that can not help me. Each person that I speak to asks for my SSN, name, and telephone number, and this makes me really uneasy that there may be something foul occurring at this company. Finally the tenth person explained that my balance on the account was {$1800.00}, and that an amount of {$480.00} was being charged off to a collection agency - she then informed me that she could connect me to the right person that could help me. When she transferred me, I spoke with a XXXX at the corporate office who also asked for my SSN and name, and once he had that information, he immediately transferred me to someone else. By the twelfth person I spoke with, she informed me she was over the department for California, so she couldn't help me but she would speak with her manager so she could TRANSFER me to the right person. After being on hold for about a minute, she hung up. This has been a constant thing all day and in the past, and it is really upsetting. I was on the phone from XXXX XXXX - XXXX XXXX being bounced around, with the stomach flu trying to be a productive member of society. It's to a point where I don't even want to deal with anyone from that company.

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 2023-12-13
Company: EQUIFAX, INC.
State: NH
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under the 15 USC 1681 section 6o2 states I have the right to privacy .15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions .Under 15 USCS 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CT
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX transunion total inquiries need. to be removed this is not mine and did not have company permission to run my credit i tried to get transunion to get this resolved but they told me i have to contact cfpb.gov to get the letterss sent out t transunion Inquiries Check Dispute Status These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. Learn More TransUnion 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 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: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I sent {$300.00} to a friend via PayPal. They money was taken from my account on XX/XX/2019, then refunded the same day. PayPay then debited the funds again on XX/XX/2019. Each time my friend and I contact PayPal, we are given a different day to expect the transfer to be completed. They most recently said that the transaction would be complete today ; XX/XX/2019. We contacted them by phone today and they terminated our call. They have said that the money is being held by a " clearing house. '' Today they claim that the federal reserve has it. This is a domestic transfer of funds. I would like for my money to be returned to me ; or sent to my friend as originally requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief