BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A name listed incorrect XXXX Never used any name like XXXX An Address wrong : XXXX XXXX Al XXXX Ex wife 's address Some Phone Numbers wrong XXXX number unknown XXXX unknown

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 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX is issued class action settlement because of inaccuracy and false information. class action what adverse action removed from credit reports.

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 2022-05-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX Citibank allowed the unauthorized wire transfer of XXXX from my account to a person unknown to me. This occurred because Citibank uses cell phones as a means to verify these transactions. Unfortunately, this transaction was fraudulently carried out by an individual who had obtained the sim card number for my phone and had a copy of the sim card inserted in his phone at a XXXX location. This allowed him to have full control of my phone and my service was essentially cut off. Since the banks means of authenticating the request is by sending a verification code to a cell phone, this individual was allowed to wire transfer money from my account into the account of his choosing ' The banks method of authenticating the authorization of these transactions are far too convenient and fails to adequately protect customers. 
Citibank was notified of the fraudulent activity with in about XXXX hours from the time that the unauthorized activity occurred. All of the required paper work to report the fraud was filed with Citibank on XX/XX/XXXX. I was advised by representatives that an investigation of my claim would be conducted. That was 45 days ago. I have reached out on several occasions, to inquire about the status of my complaint. I have been told the investigation is in progress and that an investigator will contact me. As of this date, no one has contacted me. At the very least I think I should be told where the investigation stands and when my money will be returned to my account. I have been unable to pay some of my bills and feel that the length of time CitiBank is taking to resolve this matter is unjust.

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 2022-05-30
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the XXXX account on my credit report. This account do not belong to me. I have asked XXXX to send me information with regards to this account and I have not received any response back from them. This is because they do not have any documents with regards to this account. I would like Transunion to remove this account from my credit file.

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 2022-09-16
Company: Credit Control, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement offer from Credit Control LLC for an unpaid debt that I owed to the XXXX XXXX for a XXXX XXXX XXXX account. The total amount owed was {$2100.00}. The settlement amount offer was a XXXX time payment of {$740.00}. I paid the settlement amount in one payment. Once paid, Credit Control first argued with me and stated that they do not send letters stating that the settlement amount had been paid to the consumer, only to their client. After receiving an email regarding an account that wasn't even mine and four phone calls to a supervisor with Credit Control named XXXX XXXX I was finally emailed a letter stating that I had made the final payment. I was then contacted by XXXX that there had been an update to the account on my credit report. Upon receiving the update I was made aware that the company stated that I still owed the remaining balance on the account, even though they offered me a settlement, I paid it and was told that the account was resolved and closed.

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 2015-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX ( PRA XXXX ) contacted me after I asked this company to cease and desist and was unable to accept my request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Please do not contact me via phone or via mail with validation. Further contacts without proper validation will be considered harassment and I will begin litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, 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

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 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hospital rendered service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.

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 explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

IXXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: NC
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:
The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2017-02-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The Creditor Service of Morgan reported a collection account on my credit file without giving me a notice of my right to dispute. I have even written to them several times asking for an explanation of the debt they are reporting on my credit report, but they still refuse to respond.

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 2015-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For XXXX : I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX XXXX sent Trans Union a letter to remove a hard credit inquiry from " XXXX 2015 '' the inquiry is still present and needs to be removed as soon as possible please ...

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 2022-05-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I created a paypal account and got it verified. I was new to paypal and didn't knew much about business account/personal account. 
Initially it was set up as a personal account but I wanted the paypal to act as a payment method for my freelancing sO I thought it should be categorised as business account and I changed it from personal to business account got it set up with bank and all etc. It said now my account is ready to use it was after 4 days of account creation. 
Just to check whether my account is working or not I asked my friend to send me some money on paypal and I requested him for XXXX but then just instantly I got a mail saying 'you can no longer do business with paypal ' I tried contacting the customer service but they were like 'Our decision is final " I haven't even done anything suspicious but still blocked me from PayPal entirely and now they don't even want to hear my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
I went to buy a car and Left my wallet at the dealership and came back and got it from lost and found, to my surprise when i checked my credit i saw all of these Fraudulent inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied for my free credit report thru your website in XX/XX/XXXX. I was immediately refused due to the fact that your website provided unclear and illegible information and there fore trans union was unable to determine the nature of my request. I have now received my THIRD turn down and request for the exact same information I have sent XXXX times already. I sent XXXX pieces of govt id and a utility bill. I believe that they are XXXX off because I blacked out the account number as I feel that my name and address being on the bill is enough information, they do n't need the account number for anything other than skip tracing. They claim that all those pieces were unacceptable because they were any XXXX of XXXX different reasons. They still claim that my id I sent them is illegible and furthermore I also requested reports on the bureaus own form as well as your forms and a personal letter request from me personally. I believe trans union is merely trying to gleen more information to put in my file to benefit from me. Trans union 's insistance to refuse to give me a copy of the derogatory information they have been selling to others and true and accurate information is a fraud. They know that I am XXXX with an incurable XXXX and they are discriminating against me. They have also denied report to my XXXX husband and XXXX daughter for exactly the same reasons and for XXXX times for each of us. They are intentionally discriminating against my whole family. The intentional derogatory actions of trans union has unfairly harmed my self and my family. I do have an attorney for seniors who I 've talked to who is willing to pro bono sue trans union. credit unions can be sued and they have the bucks the attorneys know about. Please help me get my ctrue corrected credit reports immediately so that I can find a comfortable place to live thru the remainder of my XXXX. Credit unions have been pulling this for years on the consumer when will the govt impose serious enforced regulations again the credit bureaus? Thanks

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 2022-05-30
Company: Experian Information Solutions Inc.
State: OH
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1661 section 602A. States I have the right to privacy 15 U.S.C. 1661 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus look more than 30 days to complete my investigation here my certified tracking number

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 2022-05-30
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Due to a medical  problem I fell behind on my payments of course I now have late fees on all my cards. I have at least three card companies that are calling me daily and they call at least three times an hour and up to four times a day! So, I get XXXX  calls daily.

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 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion credit Bureau is reporting unverified accounts to my credit profile. This is in violation of Section 609 of the Fair Credit Reporting Act

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 2022-05-30
Company: Experian Information Solutions Inc.
State: NY
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 disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file 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 explanation