BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed multiple disputes with TransUnion in regards to a company by the name XXXX, This company claims an debt amount of {$1700.00} is owed to them. I have NEVER heard of this company, and I do not have any signed agreements or contracts with this company. After a investigation by credit bureau TransUnion has deemed this debt as verified. TransUnion has not provided me with the supporting documentation that would support their decision, I believe they conducted a improper and incomplete investigation.

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 2019-03-22
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have been having an issue with XXXX refunding the amount of {$770.00} back to my account after a few unauthorized transactions were made from XX/XX/XXXX through XX/XX/2018. XXXX did not complete thorough investigation with the transactions history and the use of my card. There were three fraudulent transactions that were approved on my account to XXXX on XX/XX/2018 in the amount of {$370.00}, XX/XX/2018 in the amount of {$32.00} and XX/XX/2018 in the amount of {$360.00}. I sent in all my information and police report of the identity theft incident that occurred. Please help me in getting my money back for I have been dealing with this coming up on a year. If there is anything else that is needed please contact me by phone or email. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, I purchased a washingmachine using Acima Credit. When the item was delivered, it was defective and not working properly. I immediately contacted the seller who told me it was my problem. I then immediately contacted Acima Credit and asked them to pick up the defective item. Acima Credit stated they would not pick up the item but instead they would offer me a settlement price. I paid the settlement price and Acima Credit listed it on my credit as a negative item. I was never informed that this reflect on me negatively and be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There have been several attempts ( letters sent with no response ) to get this information deleted. This account was paid back in XX/XX/XXXX and its still showing up as a collection/past due account with a reported date of XX/XX/XXXX. This account should have been deleted back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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: Credit inquiries on your report that you don't recognize

Complaint:
SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-07-20
Company: LEXISNEXIS
State: MS
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:
Lexis Nexis claims they cant send me my results due to not being able to verify my identity. This is my second attempt to verify my identity. I would like for them to immediately send their method of Verification on how they verified the inaccurate reporting of bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a credit card from XXXX XXXX XXXX, 2021, that I or my wife never applied for. Called the company to cancel when I noticed that it was on my credit report during a routine check of the report. Their phone menu has no selection to speak with a customer service rep. Just punched any number to get to a live body. My home phone not listed in their system. Confirmed street address but would not provide last for of SSN as did not want to provide personal information. Told them to provide what was on file and I would confirm. They hung up on me. 

The card was issued by Comenity Bank but could not find any info on how to contact bank directly. 

I want this card cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, police report and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2019-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX or XX/XX/XXXX I opened the platinum checking account online at Citizens Bank based on the promotional offer that said I would receive {$400.00} when I open a Citizens Bank Platinum Checking account and make a single direct deposit of {$1000.00} or more within 60 days of opening the account. The terms stated I would be paid {$400.00} within 90 days of completing the terms of the offer. 

On XX/XX/XXXX a direct deposit hit my account in the amount of {$1000.00}. To date I have not received the bonus payment in any amount. I am owed {$400.00}. 

On XX/XX/XXXX I called Citizens Bank and spoke to a representative that agreed with me that I have completed the terms of the offer and that should be paid {$400.00}. He indicated to me that he didn't see my account coded with the offer however. I did open the account through the link : https : XXXX however so clearly this is a technical issue on Citizens Bank 's side and not a user error. The representative I spoke with on XX/XX/XXXX said I would receive a call back from him later that day or by Tuesday XX/XX/XXXX at the latest since he was off on Monday. I never received a call on Tuesday so on Wednesday morning I called again and was told that I'll receive a response by Friday morning. I have received my bonus nor any further contact as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I specifically asked Experian to provide me the original documentation for the items I disputed on my credit report # XXXX and # XXXX, if they determined that any of the items were accurate, both dated XXXX. I informed Experian that section 609 of the Fair Credit Reporting Act states that the creditors must provide the credit bureaus the original documentation that was signed upon opening the account, or they are engaging in fraud. 

In this re-investigation, Experian informed me that the information I disputed was verified as accurate, but they failed to comply with section 609 of the FCRA, and therefore the items I disputed are now unverifiable, and must be deleted, but at this time, Experian is non-compliant.

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 2020-01-25
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Derogatory marks View all accounts COLLECTIONS XXXX  Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yes back in XX/XX/2019. They closed my account. I lost my card. They sent out replacement. But in credit report. Says account closed or purchased by other lender. They must contact all 3credit bureaus. Have closed account deleted. I'm on XXXX  going thru hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: T.S. Holdings
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In the state of Florida a collection agency can not charge interest on a debt without it clearly stating so in an original contract. I have sent several letters to IQ Data notifying that they are damaging my credit by charging very high rates of interest month over month then I noticed that they were stating that they were collecting a debt for XXXX XXXX XXXX XXXX so I thought that this maybe the result of identity theft. I contacted XXXX at XXXX who has notified me that the account actually belong to XXXX XXXX XXXX XXXX  I then advised her that the information sent to me does not match whats listed on my credit report and there is no clause stating they can charge me these high interest rates she the proceeded to hang up the phone on me. I called back in and spoke to XXXX XXXX and requested to speak to a supervisor and she advised they were all in a meeting and proceeded to transfer me to XXXX who proceeds to hang up on me every time I request pertinent information about the account which I feel is a violation of my rights. Today XX/XX/2021 I advised her I had a consultation with an attorney to confirm that under Florida debt collection practices if they are allowed to do what they have been doing i have not hired an attorney I just have had consult with one and she rudely told me to stop harassing IQ data and to have an attorney call them on my behalf and XXXX. I am under the impression that I am entitled to an accurate and fair credit reporting and I feel IQ Data is defaming my good name and credit profile. I would like for it to be noticed that the balance listed is inaccurately reporting, the name is inaccurate for the original creditor, and I am being charged an extremely high interest rate on this debt. Please see screen shot of balances reporting for the month of XXXX the same month the " validated the debt '' the balance is listed incorrectly due to constant interest being added.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Blackhawk Network Holdings Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I purchases a {$100.00} Reloadit  pack from XXXX XXXX XXXX XXXX and tried to load funds to my prepaid XXXX card. The Reloadit requires me to open a " digital vault '' with them and transfering funds to vault before loading onto my prepaid card. Well the thing is the company software doesn't work on tablets or smart phones .... ok. So I went to the library and the company software didn't like that it was a public computer. I call Blackhawk Network and they say I'm just not using XXXX   correctly. 

So the reload packs are really easy and convenient as long as you have a desk top computer running only the latest XXXX. They refuse to refund my money even though the card was unopened and they have all my info. They will not issue a refund unless I give them copies of my ID, copies my mailing address, pictures of my mail, pictures of my ID card front and back, and selfie pics. I'm not making this up, they are holding my funds hostage unless I provide enough info to setup fraudulent online accounts in my name with no problem. This company has not attempted to update anything in the last 5 years to allow use of a tablet, mobile or XXXX  device. They refuse to help open a digital vault. They will not do anything without me sending them pics of mail for address verification, pics of state ID and selfie pic. That's more than enough info for somebody to fraudulently trade crypto currency under my name. Never before has a company refused to refund my money unless I gave them sensitive personal info. These guys are a scam and somehow they are allowed to operate across the country taking people 's money with no intention of providing the advertised service. Fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly 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 wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TRANSUNION XXXX-Inquiry : XX/XX/XXXX XXXX   XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXInquiry :  XXXX XXXX, XXXX XXXX XXXX  DBA XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : 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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XX/XX/XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's

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 2021-07-20
Company: EQUIFAX, INC.
State: MS
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:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation