BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 would like to dispute a collection account. The account is listed on my TransUnion, XXXX, and XXXX credit reports as XXXX. 

I've already asked TransUnion, XXXX, and XXXX to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : TransUnion : XXXX XXXX : XXXX XXXX : XXXX Date Of Last Activity TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : TransUnion : XX/XX/XXXX XXXX : Not Listed XXXX : Not XXXX Balance Owed : TransUnion : {$320.00} XXXX : {$0.00} XXXX : {$320.00} Also, please note the 7 year history in the attachment. TransUnion and XXXX are reporting ZERO 30 day late payments and ZERO 60 day late payments, while XXXX is reporting XXXX 30 day late and XXXX 60 day late. TransUnion is reporting ZERO 90 day late payments while XXXX is reporting XXXX and XXXX is reporting XXXX! 

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, TransUnion, XXXX, and XXXX are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX Card account removed from my XXXX credit report, TransUnion credit report, and XXXX credit report immediately, per FCRA regulations.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-07-29
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I trade Bitcoin online through a XXXX marketplace, and I was using Venmo as my preferred method of payments received. I had a dispute involving XXXX transaction for {$100.00} USD. The payment was firstly false and invalid to which Venmo refunded the customer for the payment of XXXX USD without notifying me of this dispute. Secondly they subsequently flagged my account for review. I fulfilled every step and furnished every document requested to uplift this limitation. After contact with 4 upper level supervisors and fraud prevention department specialists, my account was then permanently limited and subsequently I was informed by the service, Venmo, that I had violated the terms and conditions of the account & that their service would no longer be available for me to use. I submitted my identity verification, as well as many other documents to show proof of purchase & the transaction that caused this ordeal. From purchasing Bitcoin and trading on the online platform. Now my funds are being held for no apparent reason. I'm being told that I have to wait 180 days to receive the funds that I legally and rightfully obtained, with supporting proofs. Yet I was deducted the XXXX USD. As well as after making the initial transfer to my bank account attached the funds were reversed back to Venmo, who issued a refund without contacting me when the dispute arose. {$840.00} USD was returned then {$100.00} USD refunded leaving me with a frozen balance of {$740.00} USD. I've submitted proofs for the funds legal obtainment. No disputes will arise against me in pertains to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Wilber and Associates, P.C.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a phone call on XX/XX/2022 by someone named XXXX who claimed to work with Wilber and Associates. They left a voicemail, and I called back because I thought it was a lawfirm as they pose as one. He did not ask for any identifiable information, and told me that I owed them money. He did not say the amount and when I asked for him to email me the report, I never received one. I have yet to receive another call, however, someone I used to be associated with but haven't spoken to in over a year, received something in the mail regarding the owed amount and they opened the mail and called Wilber and Associates, who proceeded to give them my personal information and the amount owed over the phone. Thet stated that they are unable to reach me despite me having spoke to someone on the XXXX. I told this person over the phone that I moved addresses so it was possible it was not making it to me, but they did not ask for my new address. Either way, they gave my personal information out to someone who is not me nor in relation to me. I am not sure if I am being scammed, but if it is real I feel more than one violation has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: CT
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:
There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
XXXX reports the date last active as XX/XX/XXXX, Equifax reports the date last active as XX/XX/XXXX and XXXX reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for XXXX is XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and Equifax reports XX/XX/XXXX. Equifax also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by Equifax and XXXX and XXXX refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX account that is completely wrong. Equifax reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. XXXX has never investigated this item. XXXX reports the date last active as XX/XX/XXXX. Equifax reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
Filed complaint and fraud dispute sent verification documents requesting for debt to be verifiable with original contacts as well as case lawing showing how my rights are being violated with this false reporting and affecting my everyday life. Account has not been verified it has been over 90 days, this is the third time I have sent this request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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: Old information reappears or never goes away

Complaint:
I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about Duplicate Information with XXXX XXXX Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my credit score from XXXX ( Excellent ) to XXXX ( Good ). 

Thank you and hoping for your kind consideration on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
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:
I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report. 

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports. 

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

Account # XXXXXXXX XXXX Account # XXXX

Company response to consumer: In progress
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NV
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:
Throughout the last year in a half, I have sent out a number of letters regarding this matter, and recently, on XX/XX/2022, I sent a letter regarding errors on my credit report. Despite over XXXX  days passing, I have not yet received a response. There is a sense that I am being taken advantage of and ignored by my disputes. It is clearly stated in Section 611 ( a ) that a failure to investigate these items within XXXX  days constitutes grounds for immediate removal from my credit report. There has been no activity for over XXXX days, so it should be immediately deleted. If these accounts are not deleted immediately, I will file a lawsuit based on the stress you have caused me. At this point, I am ready to send it through and proceed with the lawsuit. I was also affected by the XXXX data breach and my information has been misused.

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 2022-07-29
Company: SYNCHRONY FINANCIAL
State: VA
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 have used synchrony bank because it is tied to a card through XXXX they offered years back. Supposedly they have an internal or third party deal with a company called card security which essentially is automatically enrolled in a shady way when I signed up. After 7-8 years I just have come to realization they have charged me over a XXXX dollars possibly thousands of dollars for a service I never wanted or agreed to with a concious awareness. I called card security and they refuse to refund any charges past a year ago. Synchrony bank seems to work with them but will NOT dispute any of the charges and tells me to call them and they can not do anything. Card security says this is a final decision and will not offer me refund of the thousands they literally stole and charged me. I hope to find relief in your solutions and also this must be happening to millions that use the card. The company is a scam loophole it seems in the system ( card security ) and synchrony bank dosent seem better for working with them. Unfortunately this is the first time Ive ever had to reach out externally from a credit card company due to them not helping me recover the charges through disputes. Neither will cooperate. Thank you.

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 2022-07-29
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 I wrote Bridge Lending Solutions to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling a friend of mine and harassing her. Her name is XXXX XXXX and she was contacted by Bridge Lending Solutions around XXXX XXXX  PST on XX/XX/2022. Specifically, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. They left her a voicemail and called her twice back to back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have told them approximately XXXX times I have no knowledge of this debt or there compa y and have never applied or signed any documents or proof of debts received from them. I have asked multiple times to stop calling me and remove my number but they refuse to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Citibank credit card was closed by the bank based on what I believe was an error on their part. I had a monthly auto-pay amount and when I changed from one credit union account to another, I neglected to update the autopay source with my new account but did so as soon as I was notified of " declined funds '' from Citi. Though my source fund was updated on my Citi account, the autopay still had information from my previous ( now closed ) credit union account so the following month I received another " declined funds '' notice and my account was immediately closed by Citi. This was clearly a Citibank error ; I did everything to update my financial source information, and was able to use those funds listed as my source funding to pay my balance as soon as I was notified of the acct issue -- I even got one of the reps on the phone to remove the {$29.00} " bad check '' charge because she agreed Citi accounting was off. I have been unable to find out why my account was closed, and to subsequently be able to explain the Citibank mistake. Now my credit rating has plummeted, I lost over XXXX reward points I'd been saving up, plus City owes me {$29.00}, since my account has a credit for that amount. The last person I spoke with said I should " forget about '' this account.

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 2022-08-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am not a current customer of Care Credit. I was looking into applying for a loan/line of credit with this company until I saw the outrageous APR interest and how interest can be applied. I am a citizen of Louisiana where the interest on such loans is capped at 12 %. The state Care Credit is based in caps interest at 10 % and the bank it uses, Synchrony, is capped at 12 % in its home state. Yet these companies participate in usury and go unchecked. Their practices are predatory and they should be held accountable. After reading dozens of reviews and reading Care Credit 's user agreement I opted to not apply and to report them.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 no signed contract with XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXX. I have no knowledge of this debt or account.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

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 2023-11-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for auto insurance through XXXX. I paid my policy premium amount. Due to vandalism, I took out a claim to have my windshield and rear driver glass repaired. My coverage on the policy I ourchased has a {$0.00} deductible. Yet I received a letter stating that even though I've already paid my 6 month premium, according to XXXX do to XXXX credit I do not qualify for the lowest comprehensive deductible, even though I have already paid for myn6 month premium coverage. 

In addition I have signed opt out documents to opt out of any reporting and they refuse to honor the signed request. They absolutely received the form notice and refuse to. XXXX XXXX has caused many problems in my life due to misuse of a report, or using non verified public information that is fast out wrong. They also known this and refuse to adjust or clear my credit file. 

In addition like XXXX, Equifax refuses to publish accurate or updated information. Again I state that despite numerous attempts to clear, correct adjust, or remove all of the inaccurate public information attached to my consumer reports has made my life less than and my quality of life suffers because of wrong, and erroneously reported information. Question, How do I not generate a score yet have such a delinquent and derogatory credit file, I have NEVER been approved for any credit type never, a credit card or a loan. 
I have less than XXXX in total debt and I'm XXXX XXXX XXXX and I have to many outstanding collections. Mybreports show only three vendors that I owe and one of them is also wrong information.

Company response to consumer: Closed with explanation