BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX : {$25000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

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 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My debit card was stolen and my identity. Someone called the bank and did a fraudulent claim on my account for a missing deposit. They also requested a limit increase on my debit account to immediately do a withdrawal of the temporary credit that was posted to my account. I immediately notified the bank when I noticed the unusual activity. I explained that I never authorized that activity and requested that they cancel the all transactions. I also filed a police report and requested that they view their security cameras to prove I did not do the withdrawals nor did I file the fraudulent claims done over the phone.

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 2020-06-01
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX Transfer No R XXXX I sent {$570.00} on XX/XX/2020 Still I didnt get deposited to my account. I called them couple of times but they didnt pick up the phone. There is no customer, chats and Email Services is available at all. I want my money back from Remitly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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:
My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity  theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is combining my information with someone else 's, and as a result there are addresses listed on my credit report that I never lived at, and my name is incorrect and I 've called over the past month, disputed the inaccuracies and I was told that my creditors have to update my name but I have accounts on there with my updated name and address. But they still wo n't fix this error, each time I call it 's someone who does n't speak English and I 'm very irritated by this!

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 2021-06-19
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a XXXX  XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX XXXXXXXX # XXXX 9XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate EVERY piece of information '' on the accounts I have listed below. I stated 15 USC 1681 andAlso, I have attached tracking info XXXX 
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on, or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my account was verified nut how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : 1. XXXX  -Acct # XXXX 2.XXXX XXXX Acct # XXXX 3XXXXXXXX XXXX XXXX - Acct # XXXX 4.XXXX Acct XXXX XXXX 5. XXXX XXXX Acct # XXXX 6.XXXX # XXXX 7. XXXX XXXX Acct # XXXX 8.XXXX XXXX- Acct # XXXX 9. XXXX XXXX Acct # 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 2021-01-27
Company: EQUIFAX, 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:
my personal information was used by an unknown person and i can not understand how they get a hold on my information, i am certain i did not authorized any of it. i am filling a report requesting that all listed debt that does not belong to me be blocked and removed indefinitely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
please help me with these credited loans sharks I took a {$400.00} dollar 's and a pirate added to the tennis ticket XXXX  office and added interest to me and surcharges for the next amounts of money to be {$1100.00}. thank you for your attention to this point

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft and submitted all proper documents to Transunion credit reporting agency that relieves me of all financial obligations to underlying creditors. However, under the Fair Credit Reporting Act, pertaining to Fraud and identity theft. Transunion have not blocked/ removed the accounts listed in this complaint. It has been a nightmare dealing with this issue. I am not suspect, I am a victim! I do not deserve to have my character and good name destroyed by someone using my identity to obtain credit. I do not understand or know much about credit, I was told what to do by fraud department at Transunion. Particularly, Mr. XXXX a Supervisor in the Fraud department. Once the identity theft report was receive by Transunion, accounts listed would be deleted/blocked. I am reaching out to CFPB in order to assist me in resolving this issue. I sent Transunion documentation over 30 days ago. However, my credit file is still showing these accounts. Thank for your time and attention in regards to this urgent 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 explanation
Consumer complaint received 2023-01-04
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-19
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Name : XXXX XXXX XXXX XXXX. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX. XXXX XXXX, Georgia XXXX SSN : XXXX Complaint : In accordance to with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX CO Account name : XXXX  XXXX CO Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX section XXXX A. States U have the right to privacy XXXX XXXX XXXX section XXXX A Section XXXX : It also states a Consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX XXXX  from XXXX XXXX online store ( XXXX # XXXX ) on XX/XX/XXXX, which cost me {$1100.00}. The wheelset has a problem of cutting sidewall of tires. After speaking to XXXX with XXXX XXXX XXXX ( owner of XXXX XXXX ) on XXXX XXXX, XXXX, I shipped my XXXX  to XXXX XXXX  on XXXX, XXXX and it was delivered on XXXX XXXX, XXXX. XXXX ( customer service ) at XXXX XXXX also confirmed the delivery of my return, but he stop replying my e-mails and I couldn't get any updates from him. I called XXXX XXXX and spoke to his colleague, but nothing happened. 

I filed a dispute with my Citi credit card, and the case has been resolved in my favor ( see attached ). Because I didn't see the credit applied to my account by the time I noticed ( from email ) that my case was resolved, I thought I have to withdraw my case to end the case and to get my credit back. It was only after I saw the paper mail notice ( see attached ) and the reverted credit on the recent bill that I realized that this wasn't right, Citi applied temporary credit to my account when I opened a dispute and reverted credit when I clicked on withdraw. 

But, how can a conditional permanent credit from a resolved case be reverted again? There are too many misleading things from my credit card service. 

After I spoke to the Citi dispute department, they insist that there's nothing they can do which is ridiculous. How can Citi design a system that allows customers to withdraw any resolved case cause revert of a conditional permanent credit? A resolved case on the web page should be closed, why do they give you a withdrawal bottom? They didn't provide clear information for the dispute procedure in the first place and they won't re-dispute for their customer. They ask me to speak to a merchant who now thought I got reimbursed from the credit card company I felt I've been scammed twice in this purchase, one by XXXX XXXX  and the other by Citi.

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 2022-11-19
Company: EQUIFAX, 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:
On XX/XX/2022, hard inquiries on my XXXX  and Equifax cred report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: LEXISNEXIS
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:
Complaint previously reported XX/XX/XXXX. One case closed, first case still open. Contacted LexisNexis beginning in XXXX - XX/XX/XXXX in regards to reporting information to XXXX, XXXX, and XXXX regarding a XXXX XXXX XXXX LexisNexis kept stating it validated the information it received from XXXX, but could not verify that I gave any written consent for any information to be reported to the credit bureaus. I submitted another request and the company reopened the investigation. I received a letter dated XX/XX/XXXX, XXXX number XXXX ( XXXX ), stating the results of the investigation stating LexisNexis reviewed information from its Bankruptcy Records and determined the data being reported as unverifiable. The information has been removed for its files an researching with XXXX XXXX XXXX in XXXX XXXX, XXXX Docs providing identification submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: SYNCHRONY FINANCIAL
State: NV
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 lodged disputes with XXXX XXXX, XXXX and XXXX XXXX  with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX Is reported improperly

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