BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX acct # XXXX, has violated my rights 2. XXXX XXXX acct # XXXX, has violated my rights 3. XXXX XXXX XXXX acct # XXXX, has violated my rights 4. XXXX XXXX XXXX  acct # XXXX, has violated my rights 5. XXXX XXXX XXXX ( XXXX XXXX  ) acct # XXXX, has violated my rights [ Inquiries ] 6. XXXX XXXX XXXX XXXXXXXX, has violated my rights 7. XXXX XXXX ( XXXX XXXX ), has violated my rights 8. XXXX XXXX, has violated my rights 9. XXXX XXXX XXXX XXXX, has violated my rights 10. XXXX, has violated my rights 11. XXXX XXXX XXXX, has violated my rights 12. XXXX XXXX, has violated my rights 13. XXXX XXXX XXXX, has violated my rights 14. XXXX XXXX, has violated my rights 15. XXXX XXXX XXXX, has violated my rights 16. XXXX, has violated my rights 17. XXXX XXXX XXXX XXXX, has violated my rights 18. XXXX XXXX, has violated my rights 19. XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights 20. XXXXXXXX, has violated my rights 21. XXXX, has violated my rights 22. XXXX, has violated my rights 23. XXXX XXXX XXXX, has violated my rights 24. XXXX XXXX, has violated my rights 25. XXXX XXXX, has 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 ASection 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make 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.

Last four of SOCIAL SECURITY # XXXX  IT WOULDN'T LET ME PUT IT IM THE REQUIRED FIELD, AND THIS WAS THE ONLY PLACE.

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 2017-06-27
Company: National Enterprise Systems, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
National Enterprise Systems has been calling my cell phone repeatedly about a debt owed by person other than me since XXXX XXXX. I have called them to take me off the list repeatedly, but they ca n't take me off the list without knowing the debtor 's name. They call me after the office is closed so I can not call them back. I have blocked the number, but they still leave voicemails. They need to stop. The last batch of phone calls were on XXXX, XXXX and XXXX. The person that leave messages is XXXX XXXX at ( 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 2019-07-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a two letters from ARS that was date stamped as of XX/XX/2019 with a date of service on XX/XX/19 from XXXX XXXX of XXXX, one has a balance of {$1000.00} and the other has a balance of {$1100.00} that states they verified the information and confirmed the balances are correct. 

I responded on XX/XX/2019 with a certified investigation letter asking for more information on these debt. ARS sent the exact two same letters out again with a date stamp of XX/XX/2019 with no valid proof this debt belongs to me. 

As I stated in the original investigation letter my rights per the Fair Credit Reporting Act, is to challenge anything I am not sure is accurate and request for valid proof. Also according to 15 U.S.C. Sec 1681i, if they aren't able to provide proof of these account they aren't able to collect or report them to credit reporting bureau. Which all of this is to be completed per the Fair Credit Reporting Act within 30 days of the date they receive my letter.

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 2022-06-10
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent XXXX via certified mail on XXXX, XXXX 2022 a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from XXXX of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: AL
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 spoke with the fraud/security department at XXXX XXXX Bank on XX/XX/XXXX and XX/XX/XXXX. They said they approved my request to have this account removed from all credit reporting agencies because its not mine and the account has a billing different address that isn't mine. This account was opened XX/XX/XXXX. Delete this inaccurate account because its not mine.

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 2017-10-18
Company: CITIBANK, N.A.
State: FL
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:
It let a XXXX young man stay in my home in late XX/XX/XXXX, who got a hold of my home depot  credit card. He started to use the card XX/XX/XXXXto buy himself expensive tools and power - equipments without my knowledge and also signed for the charges at the checkout. 
It was n't a big charge and I never thought that it was n't my charge. After receiving the statement I just went to pay the bill without any question. Home depot recognized that it was n't my signature but did n't let me know. When in later statements I was charged for more expensive items I called home depot and asked them to itemize the charges for me because I did n't recognize any of those. After the phone call I started a dispute against the charges.
Home depot given credit for those charges this time, but on XX/XX/XXXX I received a letter from home depot in which I was informed " we have rebilled your account and consider our investigation closed ''. 
Their decision was based, in part of the following : .... The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 

On XX/XX/XXXX I filed a police report about multiple credit card charges. 
Of all the credit companies, only homes depot who holding me responsible for the charges because " the person who used your card was living in your home, so you 're responsible ''. 

Yes, my card was used, and I was victimized by the person who used the card. 
But now I 'm victimized again by the credit company to pay for something charged by the thief and those items are not even in my possession! 

I really do n't think that it 's fair to pay for something I did n't buy or charge..

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 2021-07-23
Company: Experian Information Solutions Inc.
State: PR
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 called Experian to record a fraudulent account that was open and submitted a copy of the FTC that I reported. On XX/XX/XXXX I received an email stating thAt the information was accurate. I am a victim of fraud and Experian has record of that. I also so have a few fraudulent inquiries which I reported to them and has not been solve. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 's XX/XX/XXXX, XXXX XX/XX/XXXX. 
None of these issues has been corrected. Attached please find a screen shoot of their response and copy of my repo=rt to Federal Trade Commission XXXX Al Experian XXXX XXXX XXXX XXXX Report number XXXX | XX/XX/XXXX XXXX Print report | Important messages Your credit report and dispute results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


The information you disputed has been updated. Please review your report for the details. 
The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Please review your report for the details. 
Information on this item has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX Contact us by phone - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in your time zone. 
XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX upload Submit documents supporting your claim electronically at experian.com/upload. 
Important note Any pending disputes will be highlighted below. 
Here are your dispute results XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX numberStatus Show more XXXX XXXX XXXX XXXXXXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute view your options

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: GA
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 have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, TransUnion has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The wrong balance was always reported wrong but TransUnion refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights.

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 2022-06-10
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I tried to close my checking account with Citibank due to an earlier issue with fees and confusing marketing. Because of Citi 's failure to properly staff their customer service teams, I was unable to get through. As a result, I have been charged {$92.00} in fees. When I later managed to get in contact with a rep, she told me that she couldn't close my account because of the fees.

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 2022-06-10
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX, has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried to call this company for the student loans, they always tell me to go to the website and I do but find no way on trying to reduce my payments as I do not work, they website takes me on a loop and it never works to reduce or help with the student loan. They are a scam and they call me about 8 times a day but they don't really want to help. When they have helped reduced a loan it was only one of them even though I consolidated them with them. They just seem like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  / XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: SYNCHRONY FINANCIAL
State: NJ
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 disputed at the end of XXXX XXXX from sonic. it staill has not been refunded most banks would just credit that without initaition of a dispute process. this bank has spent time calling meback emailing but it has not been resolved its been 2 months since i disputed this and the XXXX need to be refunded. has not been. i have spent time trying to find out that i dont have same SCRIPT it takes 2 months it has been 2 months It speaks volume as to how i am viewed by this bank to put me thru it. As such i will barely use my account REFUND the dsiputed amount already XXXX GIVE ME A BREAK

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 2022-06-10
Company: EQUIFAX, INC.
State: MO
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 14 and 25 of the attached credit report. ) This account has a {$0.00} balance. This line item has not been updated and by incorrectly reporting this information is a violation of the Fair Credit Reporting Act. I have contacted the bureau to fix this, however I have been unsuccessful. This incorrect reporting is harming my credit score and this line item needs to be updated to report a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: BTH Management
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I pay easy money {$230.00} and I have my bank statement showing that it was paid twice they send it to a debt collector is called Plaza service and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: NJ
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 is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX  inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/ 120 Equifax inaccurately reporting ( 6 ) accounts from XXXX  XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/120 XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX   XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/120 120

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed another complaint about the threats from this company to destroy my credit. This medical debt is not mine. It is the result of identity theft and I am a victim.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation