BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of identity theft and upon review of my credit report I discovered multiple fraudulent accounts, I reached out to the creditors with no response and now I am seeking you assistance in getting this matter resolved.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: MS
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 ), 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2022-11-25
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this account many times throughout the years. The original creditor nor Hunter Warfield have ever been able to provide any proof of this amount owed. I am going to seek counsel if this is not removed from my credit report immediately. It has been XXXX years as of today that I purchased my home and I can prove this. I moved out of this apartment in XXXX of XXXX. I was not notified of this debt until XXXX. I immediately contacted the company and disputed this claim with the CFPB, attorney general, and the credit bureau 's. The parent company XXXX XXXX responded with an email that XXXX of their employees typed up stating that I did not provide 45 days notice. I was on a verbal agreement and had no written lease. I was on a verbal month-to-month agreement. I went into the office at the end of XXXX in XXXX and advised the receptionist that I would be leaving in XXXX. I asked what was expected of me and she advised that I just needed to return my keys. When I officially left in late XXXX of XXXX I stopped by the office and gave them my new information and left my keys. At this point it has been over XXXX years since I left the property and this was a fictitious claim to begin with. I did provide notice and the fault was on that of the receptionist who helped me. Either she is lying or she failed to take the proper steps on her end. Either way I did what was expected of me to properly leave my verbal month-to-month agreement. I have now resided in and lived in my home for XXXX years as of today and this is still reporting to my credit. If this does not get removed I will be forced to file a suit for damages caused to me for the XXXX years this fictitious claim has been reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$230.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$380.00} Opened XXXXXXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report. 

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.

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: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2023-12-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is about the Home Depot credit card by Citibank. 

I applied and was approved for this credit card by or around XX/XX/2023. I went for an initial online purchase of {$21.00}. That was the first ( and last ) time I used the card. I scheduled via XXXX the payment in full of first statement at least 5 business days in advance of due date. 
For some reason, Citibank claimed they received the payment one day after the due date, so the fees and interested kicked off. 
Even I provided to Citibank proof when payment was made, but in every call I had about, whoever was on the other line sounded much more as a debt collector rather than a customer service associate. Citibank continued adding {$50.00} plus every month they send the statement. At this point, my balance shown around {$250.00}. 
My credit score went from almost XXXX to below XXXX due to the continue unpaid balance 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 monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 viewed my personal credit and without my authorization or me benefiting from these acts of knowingly and willingly proceeding without my written consent I found that there has been multiple violations of 15 usc 6802 15 usc 6802b 15 usc 1692 c ( c )

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 2023-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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 XXXX 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 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 2022-06-23
Company: National Financial LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
The XXXX they were sent a no contact letter, They were also informed by CERTIFIED mail and over the phone + texts to no longer contact me as I was obtaining a lawyer to the unfair and defensive business practices they were using. 

The XXXX & the XXXX they called me. Demanding payment or they would take it to court. 


The XXXX I was contacted by im assuming the owner or lawyer. Ive left voicemails twice and havent been contacted back. 


They have also contacted me on my work phone ( direct phone line, in a grocery store where personal calls are not allowed and I have consistent customers calling to place XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
for violations of the Fair Credit Reporting Act ( hereafter the ( hereafter the " FCRA '' ), 15 USC 1681 et seq., as amended. 
The reporting of such inaccurate information has cause damage to my character my reputation my general mode of living and my ability to obtain credit cards loan for personal and household purposes you And your inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax will not provide me with my free annual credit report. They say my infomration doesnt exist in their database, and ask for me to update my info by faxing, or mailing them my information. I have done both and waited several months and they have done nothing to fix their error. I need your help in intervening and telling them to do their job and help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CITIBANK, N.A.
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:
Company has been reporting account and does not reply to any of my inquiries.

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 2022-06-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
On XX/XX/XXXX my son paid upfront for a window ( XXXX dollars ) and a service ( XXXX dollars ) with my credit card. XXXX. 
I asked him to refund to money and cancel the window order and he did under 24 hours. 
The credit card company, American Express, added a second charge without me knowing and resolved the case with the merchant without me knowing. 
Only to find out months later that we were never getting a window. 
The merchant is unwilling to help and American Express will not agree that the fact is not window was ordered and the order was cancelled. i.e. XXXX dollars returned. 
I have refuted the claim numerous times and as a result cancelled my American express membership since XXXX, its appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have numerous accounts on my credit that mostly XXXX is reporting incorrectly but also a few on XXXX and Experian. 
The first is a public record that is hindering my ability to qualify for credit. XXXX is around 60 points lower than my XXXX and Experian score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from Experian and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXX  XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXX is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The XXXX XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else.

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy.

This is my last attempt at correcting it myself before getting an attorney involved.

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

Complaint:
I have numerous accounts on my credit that mostly Equifax is reporting incorrectly but also a few on XXXX and XXXX. 
The first is a public record that is hindering my ability to qualify for credit. Equifax is around 60 points lower than my XXXX and XXXX score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from XXXX and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXXXXXX XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXXr is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The XXXX XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else.

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy. 

This is my last attempt at correcting it myself before getting an attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXXXXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX XXXXXXXX {$13000.00}.

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 2022-04-23
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: Personal information incorrect

Complaint:
In accordance to the Fair Credit Reporting Act, TransUnion has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 According to the 15 U.S.C. 1681 section 602A. States I have the right to privacy. This address does not belong on my credit report XXXX XXXX XXXX XXXX XXXX Ga XXXX The only address that should be on my credit report is XXXX XXXX XXXX XXXX Ga 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