BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains as paid. Please be advised that I am requesting that these items are removed immediately. I have attached the companies reponse stating that they requesting that all three credit bureaus remove the following accounts from my credit files on XXXX XXXX XXXX Account numbers 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 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This isn't a duplicate request, however on XXXX  I submitted a complaint to Experian regarding : XXXX XXXX XXXX ( XXXX ). Experian updated my credit report as updated. I want to know what due diligence Experian exercised to confirm when XXXX XXXX XXXX XXXX itself didn't and can not verify the debt. This is illegal practices. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Ive reached out to TransUnion in a recent dispute and asked for the account with XXXX XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed on XX/XX/2022, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. 

After the reinvestigation, Ive noticed that the date of last payment remains incorrect and the account status and monthly payment amount remains incomplete, in which 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 2022-06-22
Company: USCB, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Few years ago I used my XXXX XXXX  out of town and paid all deductible amounts, etc. 
After one year, I kept receiving suspicious invoices from other people. 
I never responded and XXXX never charged me for any payment. 
Now after few years I got attached debt collector letter that I do not want to respond. 
I have an automatic payment account with same XXXX XXXX XXXX XXXX and they always draw out any money I owe them. 
Therefore, I do not want to communicate with other unknown entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021 ( XXXX ) and on XX/XX/2021 ( Transunion ) and on XX/XX/2021 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXXXXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-22
Company: Exeter Finance Corp.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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. 

References : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In using my personal Santander online banking system, I attempted to transfer funds from Santander account to an outside account at another banking institution, in the early XXXX hours ( XXXX ) Santander online system states if there is verification a passcode will be texted to authorize transaction. There was no text or passcode recieved. There was no email communication either. 

Later in the day, there was a missed call from Santander. 
In my attempt to call Santander back and find out why they called, I went into the online system and there was no record or review of the transfer I entered into the system in the morning. 

After multiple transfers with Santander bank, I was finally transferred to fraud. Rep stated I did transfer incorrectly. Then I verified with rep that the transfer was done correctly etc. No one within Santander could state why my funds were not transferred to my other institition!!! Rep acknowledged seeing transfers in the system ( they magically appeared after XXXX XXXX XXXX. which defeats purpose online banking and quick and ease! ) And rep intentionally did not assist with transfer!!! Intentionally blocked transfers after verifying it was not fraud and that I completed the steps correctly. 
Santander Bank has no right to hold, block me from my money!!! 
Transfer amount {$2500.00} on XX/XX/22.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX XXXX  & # XXXX 's. ON XX/XX/2021 I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i have sent several letter to Equifax and i havent even got a respond to the letters that i sent back in XXXX and i know it pass the 90 deadline No one had respond to me either by email or mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The only thing that I've done was applying for a auto loan and upon that I've noticed random inquries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-23
Company: EQUIFAX, 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 XXXX Account # XXXXXXXX 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 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 2021-01-16
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX, Experian notified me of a 25 point decrease in my score. I reviewed my report on that day but their explicitly stated that there were no changes to my record or activity when I clicked to see the changes to my report. I asked their customer service on XXXX ( because the dispute center wasn't working ) but all they did was list possibilities that did not apply to me. They suggested that maybe I increased my balances or that I had a recent inquiry. When I told them that I had neither of those things happen, they told me that they couldn't tell me what happened because they were not a credit advisor. They also suggested that maybe the reason my score dropped without any changes in my history is because their categories of change have subcategories. 

If these subcategories are not listed on their site, I can not dispute them. They changed my score and I am not allowed to make sure that they got it right. They claim that I have the right to dispute but they haven't given me anything to dispute. Score changes are not allowed to be disputed. Only changes on record are allowed to be disputed. How could anyone know that they're being honest if I can't even see the mistakes to dispute them? 

Also, by the way, they claim that utilities are factored into your score if you opt into their XXXX  system. XXXX XXXX aXXXXd XXXX XXXX apparently isn't included. I could understand that if I lived in the middle of nowhere Wyoming but this is XXXX. Ever heard of XXXX or the XXXX? 

I don't recommend signing up for experian XXXX  as it could hurt your score without you having the ability to check if there are mistakes.

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 2022-06-22
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:
The credit bureaus stated that these accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 : states that a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-27
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 status incorrect

Complaint:
XX/XX/2022 I sent certified letters to XXXX, XXXX, and TransUnion regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XX/XX/2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from TransUnion, XXXX, or 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 2022-08-21
Company: Block, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I am missing my Federal refund that was sent to you guys to the wrong account that I still haven't gotten back. Did everything I was supposed and my banker reach out n did a harmless letter and everything else.

Company response to consumer: Closed with explanation