BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
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: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
i have incorrect addresses on my report i have incorrect ammounts also and not my credit on my credit

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 2023-05-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This complaint is related to a XXXXXXXX XXXX XXXX that is provided through Synchrony Bank. 

I reviewed my statement for XX/XX/2022 and noticed several charges that I did not make or authorize at gas stations that I do not go, in locations I don't go to. I was surprised that the charges were for other brands of gas stations ( XXXX ) than what the card is actually issued for ( XXXX ). 

As soon as I became aware of these suspicious charges, I called the customer service number and they transferred me to their fraud department. I reported these suspicious charges. They told me it would take two months to investigate and they told me to continue to pay my bill. During the time that the fraudulent charges occurred, the company had increased my credit limit, which allowed the fraudster to charge more. 

I never heard back and so I called again in XX/XX/2022. They told me that they did not have a record of my report and that they would document the matter and start to investigate it. I waited and nothing happened. I told my daughter about this stressful situation and she called the fraud department on XX/XX/2022 to determine what was happening. They still did not have a record of the report. My daughter and I filed yet another report and got a claim number ( XXXX XXXX ) so we could have a record. They said it would take 60 days to complete the investigation. 

I received a letter on XX/XX/XXXX that stated " Good News! We completed a review of the claim on your XXXX XXXX XXXX account and found no fraudulent activity. The purchases in question were pending charges not billed to your account. Pending charges may appear as temporary authorizations before an actual purchase is completed. This commonly occurs at gas stations, restaurants, and online. If the purchase is not completed, the pending charge is removed. It's important to always review your billing statements for any unauthorized account activity. Find more information on how to protect yourself at synchrony.com/protect. If you have questions, please contact us at XXXX. We appreciate your business and hope you continue to enjoy your XXXX XXXX XXXX account. Sincerely, Your Synchrony Fraud Solutions Team. We're Here to Help XXXX. XXXX. '' Also, on the letter there is a visual that has a lock image and it states " {$0.00} Fraud Liability = You're never responsible for unauthorized charges. '' After I received this letter, I continued to receive statements with the same charges. I have tried calling the number on the letter and they are not available 24/7. I feel helpless, cheated, and truly don't know what to do anymore. And I continue to have fees assessed on the outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My CASHAPP account was hacked and {$1500.00} was stolen. On XX/XX/2020 someone transferred {$1500.00} ( in 3 separate {$500.00} transactions XXXX to their account. This is pure fraud. I did not make these transactions and I do not know wh the recipient is. I was working at home when my phone started pinging and I received notifications of these transactions. 

I had several email exchanges with a CASHAPP representative. They claim that the transaction was from a device that had previously accessed CASHAPP. That is not possible. I has the only two devices XXXX my phone and my laptop ) in my hands as the transactions occurred. 

The final email from CASHPP is attached, in which they claim that they have no responsibility. Also attached is my CASHAPP statement showing these fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.

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 2020-09-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: PA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-02-10
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: Account status incorrect

Complaint:
Reviewing and seeing the same results have been so disappointing. I have been sending multiple written requests and the last letter I sent to TransUnion was on XX/XX/XXXX. However, I have not received any response up to this date. Thus, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX {$5900.00} US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: KY
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:
My credit report from Experian contains inaccurate information. On a collection account, you can not report a late payment or a past due ; doing so is a violation. Due to incorrect information being published on my report, this has made me XXXX and prevented me from living my life to the fullest.

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.

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 2023-05-28
Company: VW Credit
State: IL
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:
VW CREDIT INC- XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

XXXX. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX - XXXX XXXX Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I was contacted by Portfolio Recovery ( PRA ) regarding an alleged debt to XXXX XXXX XXXX in the amount of {$270.00}. XXXX XXXX XXXX ceased to exist in XXXX. I have no knowledge or information sufficient to render an opinion on the validity of this allegation. However, to the best of my recollection I have not entered into a contractual relationship with XXXX XXXX XXXX  Indeed, since filing bankruptcy in XXXX, I have not sought or obtained any credit cards until within the last year, and only a secured CC. 

I have contacted Portfolio Recovery several times to dispute this debt. No validation of the debt has been forthcoming. Demands to remove negative marks from credit reporting agencies have been ignored. 

XXXX No proof of the debt has been established by PRA XXXX No contract between myself and XXXX XXXX XXXX or between myself and PRA, exists XXXX Portfolio Recovery states the account age as 1 year, XXXX months ; XXXX XXXX XXXX has been defunct since XXXX XXXX The entry at XXXX shows a reporting date of XX/XX/XXXX, not XXXX XXXX For the above reasons, PRA is in violation of Federal law Portfolio Recovery lacks legal standing for their claim. Their actions also conform to the doctrine of volenti non fit injuria, further invalidating their claim. 

Portfolio Recovery must remove negative entries at all credit reporting agencies. This incident has caused an as yet undetermined level of financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-09-20
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is not a duplicate complaint. This is a new issue. I thought I was on the way to resolving this and I found out it is still not resolved. 
I finally had to give in and was forced to complete a hardship application which they should have informed me had to be done over two months ago when they sent me an unclear email telling me I was approved for a forbearance. I was expecting a forbearance for the months of XXXX and XXXX when I was struggling after having my salary reduced by 10 % due to the Pandemic. This was promptly reported to them by email. i have proof of it. They told me it was approved so I did not pay for two months. Then I received an email stating that I was in danger of being reported to credit bureaus for not making my payments! I was shocked. I tried to deal with them and reason with them to no avail. In spite of making two payment which should have counted for XXXX and XXXX they are still informing me that I owe {$200.00}. I should owe nothing. Not even late fees if this had been processed correctly. I should owe nothing until XXXX. Where do they get {$200.00}? It doesn't even make sense. I am paying less than {$55.00} per month for a monthly payment. I asked to skip XXXX and XXXX. Period. That is all and i just paid XXXX and XXXX. I am not dropping this. I am not paying off this loan and I warned them that if I find anything negative on my credit report I will stop paying the loan and file for long term hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Public record information inaccurate

Complaint:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/2011 Latest status date : XXXX XXXX, 2011 Account Info Reference Number XXXX Court US BKPT CT FL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention to this matter.

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 2018-05-02
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft.

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 2018-07-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with you that case number is XXXX, in which it was closed and Specialized Loan Servicing ( SLS ) responded by stating that they were going to be issuing 3 seperate checks in the following amounts : {$920.00}, {$230.00} and {$870.00}. 

They sent the check for {$920.00} but they made it out to XXXX XXXX and XXXX XXXX, which could not be deposited to the bank because XXXX XXXX passed away on XX/XX/2018. I called SLS and was told that they made a mistake and should of made the check payable to XXXX XXXX and the Estate of XXXX XXXX. This check was sent to us on XX/XX/XXXX and SLS said it would take XXXX days. I keep calling to ask about the checks and they say they will send in a report, but that does not help. It has been XXXX weeks and still to repayment. I have also asked about the other two check and when I ask they say they do not know anything out that. But that is what they said in the final report to my complaint.

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 2023-04-01
Company: CIBC BANCORP USA INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open an account with XXXX XXXX and after my first transfer, my account was frozen due to investigation with my ID and since then, I have been unable to get a response from them.

Company response to consumer: Closed with explanation