BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I recently obtained copies of my credit report and noticed inaccurate information being reported on my credit reports. I contacted the credit bureaus and failed to receive a response within 30 days which per the FCRA, credit reporting agencies are required to respond with proof of validation and that has not happened.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to get you to accurately report mortgage information for a year. You have continuously ignored my full payment of home insurance for XX/XX/XXXX to XX/XX/XXXX, you ignore my bank statement proving I paid it, you ignore the XXXX co reciept of payment for a year, you ignore the cancelation of escrow letters proving there is no escrow, and you have sided with the company repeatedly and unstoppably for a year. The XXXX loan never had an escrow, it was canceled prior to and after they purchased the debt. XXXX has NEVER provided you with proof of payment to my home insurance XXXX XXXX. But u always side with them. I have filed suit against them in state court and they have been served. I hope you will provide me with the evidence they used to affirm their inaccurate debt reporting. I hope its not just their word for it. You know I have subpoena power but that is costly and burdensome to me the victim of their illegal harmful conduct this last year. So please I beg you to help me find out what they gave you to repeatedly affirm the inaccurate debt. Please please please provide the evidence here. 

My complaint explains the inaccurate credit reporting for the last year. Cause 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 2017-10-24
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 do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 2023-06-07
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account XXXXCitibank NA , has violated my rights.

15 USC 1681 Section 604 State i have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also States a consumer reporting agency can not furnish an account without my writing instruction.

15 USC 1666 : A creditor may no treat a payment on a credit account under an open end consumer plan as late for any purpose.

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 2019-12-03
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX is saying that I owe them money on clothes they say they delivered, and left outside my apartment. However I told them that they can not leave clothes outside of my apartment. I am a XXXX  XXXX  and I am gone multiple days at a time throughout the month. I live in XXXX IL and in my neighborhood if you leave boxes or any mail outside for more than a couple days it is highly likely someone will steal it. Which is what happened multiple times. 

XXXX  XXXX is saying that they put a credit hold on my credit card because they believe I owe them money for purchases that I never received. 

I talked to them multiple times and told them that I can not get clothes delivered to my address because I am not home half the time. I have been using their pick up at store option or signed delivery and that works fine. 

However now they just informed me that I owe them money on the clothes that I never received because they left them outside my house. This is preventing me from using my XXXX credit card, and also they say they will not let me order from them. 

I need them to not charge me for the clothes never received and to let me continue the option of using the credit card at the store, or with a signed deliver confirmation, or pickup option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Kovo
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
KOVO INC reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XXXX XXXX, 2019, is still reporting and has not been removed 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 2019-12-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax and XXXX  showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX  XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both Equifax and XXXX   with no reply on XX/XX/2019 and have yet to receive any correspondence back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Im a victim of identity thieves someone got hold of my information and they use my Accounts and Ive contact all the companies I was told it would be removed from my credit report negative but its still there

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 2023-08-09
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 information incorrect

Complaint:
I contacted XXXX XXXX, who told me to contact the credit bureau when i told them the information reported is incorrect. This account was paid in full 2021 XXXX. I paid this account in full while i was in XXXX XXXX  in the military. I paid over {$500.00} then my mom later told me she had a letter with them attempting to settle for {$220.00}, when i already paid in full.

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 2019-09-08
Company: CITIBANK, N.A.
State: MO
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:
This is about CITI Bank ruining my credit for one late payment after I have paid all my bills on time, usually in full, for 18 years. They did not look at all the information that I provided to them before reaching their decision to ruin 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 2023-04-12
Company: Experian Information Solutions Inc.
State: NV
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 in I saw a collection that I have no knowledge of by the name of XXXX XXXX XXXX XXXX after look more into it I notice its from a place that I already disputed in the past they are just under a new name or it maybe even a new company it was removed from XXXX XXXX but its on my XXXX and also experian report under a different name and they keep reporting different amount that I owe in the amounts are being reported different on both agencies and it keeps changing up until recently I disputed them again in the tried to correct the amounts but it all lies that's why it was removed the first time they have no proof that i owe them anything and its causing me to not be able to get approved for anything I have proof of the inaccurate information on my report i would just like for this account to be removed

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 2023-10-04
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I am writing to seek assistance in a matter concerning a XXXX XXXX XXXX XXXX  that I purchased with a value of {$500.00} from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, on XX/XX/, at XXXX XXXX  The card number indicated on my receipt is XXXX Immediately upon purchase, the card was activated. Regrettably, the following day, I realized that the card was lost, and despite my efforts, I have been unable to locate or recover it. In light of this, I promptly contacted the helpline at XXXX, which is listed on another gift card of the same type, to request a replacement card. 

However, I encountered difficulty during my attempts to secure a replacement card, as my request was denied each time I contacted the provided phone number. The denial was based on my inability to provide the card number. I wish to bring to your attention that I possess the original purchase receipt for the gift card, which clearly displays the card number. Unfortunately, the agent I spoke to over the phone was unable to recognize this card number. Additionally, I have in my possession the credit card used for the initial purchase of the gift card, providing further proof of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted employer verification to XXXX on XX/XX/22 under the temporary PSLF program. The verification I sent only gives me credit for months under this special limited program which expires XX/XX/22. 

XXXX transferred my loan and this verification to Mohela on about the same date. 

Mohela ( nor XXXX ) has credited my employer verification. I sent a support email on XX/XX/22 to Mohela about this verification and have received no response. 

I have called and their auto line hung up on me after an hour hold time. 

I am concerned that if there is any type of error on the form or any of the months do not apply then I will lose the opportunity to try to chisel together other proof that this time should qualify. The time I submitted would put me over 120 payments and therefore qualify for loan forgiveness. However, if any of this time does not qualify I will not be eligible for forgiveness. Therefore, this is an urgent matter of great concern to me. Their customer support is non-responsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX  Account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX XXXX XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX is all wrong and should not be reporting this way~

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 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 convergent. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 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 adverse item of information, other then records of convictions of crimes which antedates the report by 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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation