BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXX/XX/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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 2023-01-27
Company: One Source Technology
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit sucks now and I'm being held back getting a job because I'm a XXXX XXXX  The company I worked for burned me out. They send me on an extra run. I started falling asleep at the wheel. I pull over truck over so I don't wreck and kill some innocent person. The police roll up on scene. Tells me to go to sleep for a few hours which I do. My company fires.me for doing the responsible thing. I get denied my unemployment by the cpany which.i save them a wreck and lawsuits and keep myself out of prison. For following a lawfully.order make sure I don't get my unemployment rite away so I cant pay my bills for 4 months now. And now I have people or companies won't give me a job now this is in XXXX American No one wants to wait to get paid.but everyone is making me.wait to get my $ that I am totally entitled to. So you being the government. Do something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXXXXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX XXXX XXXX XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXXXXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXXXXXX XXXX XXXXXXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: SC
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:
Dear Credit Reporting Agency, I am writing to dispute the accuracy of information listed on my credit report in accordance with the Metro 2 format. Specifically, I am disputing the following account : XXXX XXXX Account XXXX XXXX. 
According to my records, this account was closed onXXXX. However, my credit report states that the account is currently delinquent and has a balance. This erroneous information is having a significant negative impact on my credit score, and I believe it is being reported in violation of the Metro 2 guidelines.

As per the Metro 2 guidelines, I am requesting that you investigate the accuracy of the information being reported and provide me with any documentation that supports the current status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CURO Intermediate Holdings
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: Account information incorrect

Complaint:
To whom it may concerned, I have reached out on multiple occasions to rectify inaccurate reporting of a balance owed on my credit report. In XXXX, said company First Heritage garnished my wages for the exact amount of said court ordered garnishment. Now the company reports to my credit every month stating I owe them a balance. The account was initially closed then reopened with this balance. I spoke with the branch manager and they can not tell me what said charges are for and sent me a letter to remove item from my credit report. Each time item is disputed by me with factual evidence First Heritage reports the information as accurate when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my several endeavors 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX : {$110.00}

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 2023-05-01
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: Information belongs to someone else

Complaint:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/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 2023-05-01
Company: DISCOVER BANK
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Kentucky XXXX Email Address XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Discover Account ) has violated several of my rights 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy 15 U.S.C.1681 Section 602 A Section 2 : It's also state consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A Creditor may not a payment on a credit card account under open and consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in Direct Violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Synovus Bank
State: CO
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:
This debt is being reported as a charge off. I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXG XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXE XXXX XX/XX/XXXX XXXX XXXXE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-01
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 status incorrect

Complaint:
XXXX  is showing on my transunion my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my XXXX  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 2023-05-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called Chime because I plan to start using my account again and saw that I still havent received the Referral Bonus in the amount {$100.00} nor did my friend XXXX XXXX who referred me. 
I signed up with Chime allegedly on XX/XX/XXXX and I say allegedly because I cant even see my sign up date online which is odd but thats what Chime customer service is telling me. The requirement to get the Referral Bonus is you have to receive a deposit of {$200.00} or more by an employer no later than 45 days after signing up with Chime and I received a direct deposit on XX/XX/XXXX in the amount of {$250.00}. I received a couple deposits from employer XXXX before then but the amounts were less than {$200.00}. So I received the qualifying amount on XX/XX/XXXX but that was 14 days after the 45 day mark so I did not receive the {$100.00} bonus nor did my referring friend XXXX XXXX as I was at the mercy of my employer to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: SC
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:
Dear Sir/Madam, I am writing to dispute the accuracy of inquiries listed on my credit report. Specifically, I am disputing the following inquiries : 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 I did not authorize any of the above inquiries and was not made aware of them prior to them being listed on my credit report. I believe that these inquiries were made without my consent, and their presence on my credit report is inaccurate and unjustified.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Dear Sir/Madam, I am writing to dispute the accuracy of inquiries listed on my credit report. Specifically, I am disputing the following inquiries : 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 I did not authorize any of the above inquiries and was not made aware of them prior to them being listed on my credit report. I believe that these inquiries were made without my consent, and their presence on my credit report is inaccurate and unjustified.

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 2023-05-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This Company advertises its credit products and solicits applications to consumers then makes it near impossible to actually use the card. After spending 3 weeks and over 15 hours on the phone trying to get them to remove fraud blocks on a brand new card just received in the mail and verifying everything except XXXX XXXX XXXX XXXX XXXX XXXX, I was finally able to actually use the card for the first time. 

My current issue is now that I have reached my credit limit, I made a payment to pay my entire statement balance on XX/XX/XXXX, almost 10 days before the bill was due, via my own ACH checking account. So that I can continue to use the card. It's now 6 days later and while Citi shows my payment was accepted and credited to the account, they will not release the available balance and allow me to continue to use my card. 

In contacting customer service they told me that my payment has to go through a 2 week Fraud review to ensure the payment is not fraud and I can not use my card until this clears. 

So I spent 3 weeks with a bunch of stupid fraud blocks from the first day I received the card. Now I submit a payment to pay my charges and you block my card again for fraud review. How the heck is a consumer ( in this case a business with a business card ) expected to use the card you advertised and solicited for business purposes when they won't even allow you to use the card as intended. 

This is the WORST Credit Card merchant ever. I've never in my life had this much trouble with a credit card and I have perfect credit score.

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 2023-05-01
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Billing statement received from XXXX XXXX XXXX Department ambulance billing for balance amount of {$950.00} on my wife 's account with due date XX/XX/. I wrote a check for this amount with the account number of XXXX ambulance billing written on it and sent in XXXX ambulance billing on XX/XX/. Posting date of check was XXXX indicating that the bill was paid. 
On XX/XX/ I received a Debt collections notice from XXXX XXXX XXXX XXXX XXXX stating that they are trying to collect debt that I owe the XXXX XXXX XXXX XXXX XXXX Department XXXX Services. I contacted XXXX billing on XX/XX/ to resolve that matter, with no resolution of it. I contacted the debt collector on XXXX  and per their advice sent copies of the posted check and of the billing statement from XXXX proof that the bill was paid- to them by email. They confirmed receiving the email. I have since called the XXXX. Collector 3 times, per their advice to check the status. They state that the debt is still in collections. 
So far the matter has not been resolved.

Company response to consumer: Closed with explanation