BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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:
XX/XX/XXXX for {$1400.00} XX/XX/XXXX for {$15000.00} XXXX for {$2300.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} These debits are not mine and should be removed as soon as possible.

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 2023-08-16
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: Information belongs to someone else

Complaint:
See document attached

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 2023-01-12
Company: EQUIFAX, INC.
State: MA
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 part of the Equifax breach settlement. The status of my claim is indicated as " paid '' as of XX/XX/2022. I have received no payment. I have contacted the settlement XXXX twice to inquire about the status of my claim during the many months the status showed " pending '' and once to report that I did not receive any payment after I saw that my status had changed to " paid '' using the secure form on the Equifax breach settlement website. I have not received any replies or acknowledgments to these messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Starting on XX/XX/XXXX, my Bank of America Visa Credit card was fraudulently used without my permission. The card was stolen and my account was changed from paper statements to electronic. I never did electronic statements, therefore I was unaware of the charges being made, till Bank of America called to say that payments were due, at which time they also told me of exorbitant charges being made on the card. I immediately denied the charges and asked for paper statements to be made available. Around XX/XX/XXXX I disputed the charges and asked for the card to be blocked, but the bank personnel whom I spoked to said to keep the card open to see if there will be any further activities. On receiving my statement of XX/XX/XXXX I noticed there were further charges that were made, so I blocked the card. Bank of America told me that they would take care of the fraud and there was nothing that I should worry about. Towards the middle of XX/XX/XXXX Bank of America wrote me a letter saying my dispute was being denied due to the card being swiped, pin being used and signature being used. I do not have a pin and the card was lost. Bank of America never asked for a police report. On my own investigation, I was able to determine the perpetrator and get a confession with promise to pay. Unfortunately all my attempts and patience were of no avail. I submitted a police report to Bank of America and I am in court trying to clear my name. I have over pain my dues by {$4600.00} as I continued to pay to protect my credit. The fraudulent charges total to {$13000.00} and total interest to date {$2800.00} bring the total to {$16000.00}. Once again I reiterate that I have not abused my banking privileges. Currently I am seeking legal assistance to settle this matter. 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 2023-02-15
Company: Resolve Partners, LLC
State: OH
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:
Inaccurate accounts and information is being furnished on my consumer report. Account status, alleged amounts, payment history and other incorrect reporting information. I informed them in writing to remove the inaccurate information immediately, but they are still furnishing the same inaccurate information. Please help assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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: Credit inquiries on your report that you don't recognize

Complaint:
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 explanation
Consumer complaint received 2023-01-12
Company: ProCollect, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not know that Pro Collect was in pursuit of a debt collection until I checked my credit report and seen a derogatory remark. This was placed on my credit report XX/XX/XXXX and I noticed the remark on XX/XX/XXXX. They were working with XXXX XXXX XXXX. I went to court with XXXX XXXX on XX/XX/XXXX and believed that the matter was settled there. I called Pro Collect today, XX/XX/XXXX and was asked for my social security number, full name, address, and was told that I owe over {$4000.00} of debt. I did not know of such debt until this month and had not received any prior notification by phone nor mail. The representative informed me that even if I were to pay the amount in full, they will not remove this from my credit report. Additionally, I was informed that they do not have any payment programs and that there is nothing that can be done to help me except for me to pay the amount in full.

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 2023-09-04
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've repeatedly requested Midland Credit to verify information and they have failed to do so. I called in XXXX and requested they mail verification, I submitted an online inquiry after that and also mailed XXXX letters ( most recently additionally mailed XXXX by certified mail so they can't claim they haven't received it ). Whenever I've disputed information with the credit bureaus or requested information another way, Midland has increased the debt balance by {$1.00} to intentionally have it readied to my credit report without verifying the information requested. I never received notice of intent to collect the debt nor notification that this debt could be disputed. I additionally never got a fair chance to negotiate or dispute the debt before they added it as a collection. When I requested verification, they failed to verify the debt and have been very aggressive in their attempts to collect the debt while violating several portions of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX at XXXX I logged onto Comenity Banks website for my account with them to pay a " mysterious balance '' of {$2.00} due ; when on the previous months statement ( XXXX ) my balance was {$0.00}. I paid it and asked them because of budgetary issues to please close my account, report to the three credit bureaus that the Request to close was by The Consumer and was left in Good Standing. They've done none of which and have since continued to as well as have a Collection Company and themselves call me. Month after month they continue to send me billing statements showing late fees, accruing interest and balance due- I've called them each month disputing and asking how can I Owe Anything the account is Closed i get tge " run around ''. My Credit Score has gone from XXXX to XXXX. I've since written to them on XX/XX/XXXX to the XXXX and XXXX XXXX. I received a reply from Comenity Bank on XX/XX/XXXX, XXXX they'd received my complaint and are researching to allow 90 days- my credit score is doomed!! 

I've more recently wrote to on XX/XX/XXXX my XXXX XXXX XXXX. His office called me today advising me to contact this office. 

Please help me before what I've worked so hard for is destroyed by Comenity Banks dishonorable and unfair business practices. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 currently have unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  agency account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  agency account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agency 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 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business

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 2023-10-05
Company: Fig Tech Inc.
State: TX
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 viewed my credit report on XX/XX/XXXX and noticed 5 late payments. I didnt not apply for these accounts. I filed a complaint these accounts are fraudulent and still show on my credit report. 

Fig loans XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: U.S. BANCORP
State: AZ
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a gift card for {$250.00} from US BANK sold at XXXX XXXX XXXX. I tried to use the gift card at XXXX. It was declined multiple times. A call to customer services requested I send fax documents. I faxed the documents multiple times, they were rejected for reasons beyond my control. They refuse to reactivate the card or send a replacement. I send a copy of front/ back of my Driver License and a copy of the front and back of the gift card to show proof of ownership.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
v

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 2023-11-01
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Credit reporting 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:
XXXX  I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 explanation
Consumer complaint received 2023-05-13
Company: Affirm Holdings, Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE OPEN UP 2 ACCOUNTS IN MY NAME FRAUDULENT I REPORTED IT TO THIS COMPANY AND THEY STILL TRYING TO HOLD ME LIABLE. I DISPUTED THIS SEVERAL TIMES AND SENT POLICE DOCUMENTS TO THEM AND THEY HOLDING ME TO A DEBT I DIDNT AUTHORIZE. AFFIRM IS THE COMPANY. I ASK THEM TO PROVE I USE MY SIGNATURE AND SOCIAL THEY CANT PROVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have noticed that there are several inaccuracies on my Equifax credit report. I tied to dispute directly with the credit bureau but they have not investigated and have not removed the information from my credit report. I have not heard back from them in more than 45 days since my last letter to them. In accordance with the Fair Credit Reporting Act this information must be removed from my credit report immediately. Equifax has violated my rights and ignored my request for a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collectors have failed to prove that I owe this debt. They have not provided me with any verification that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: PA
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:
Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXXXXXX XXXX XXXX and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

Company response to consumer: Closed with explanation