BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting yet another CFPB Complaint in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} I previously requested for you to investigate the way this account reports information since I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$8300.00} I previously requested that you check the Payment History and Status information on this account because it is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed items. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2022-11-16
Company: Credit Karma, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was a victim of Credit Karma giving me preapprovals based on my credit report-and when I applied, I was denied. I stopped applying and now I disregard the preapprovals offers. My credit was checked and caused a decrease in my credit score several times. I expect to be compensated from the results of this lawsuit -My Credit Karma was also closed after I had to dispute charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have attempted to obtain my credit report from Experian for a declined credit opportunity due to information presented on my Experian credit report as well I was attempting to get my free annual from Experian. Both attempts were denied. I then went further to get my report by paying for their services and they declined again. I am being unlawfully denied my credit report and their customer service is no help when contacted about the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I wrote Experian in XX/XX/XXXX with concerns about errors on my credit report. They have failed to respond even though compelled by law!

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 2022-11-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I would like to request by law the suppression or deletion of the following item : XXXX XXXX XXXX  Reasons : Negative date goes from XX/XX/XXXX to XX/XX/XXXX Balance increase every dispute Balance is stated different on the credit report than XXXX XXXX XXXX Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of XXXX years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean XXXX XXXX XXXX is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.

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 2022-11-16
Company: EQUIFAX, INC.
State: IL
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:
There are several inquiries that I have no account for. Please remove them as I have listed them below. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RESURGENT CAPITAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT IM NOT FAMILIAR WITH, I DO NOT OWE THAT COMPANY ANYTHING. I AM XXXX AND ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED FROM PEOPLE LIKE THIS. I WOULD APRECIATE IF YOU QUIT CONTACTING ME ON THID MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need legal assistance i don't know what to do. This is for another job That required a background check. The same company I complained about before, Checkr. They closed the case and didnt fix the issue. So now another job i applied for asked for a background check and the same 2 wrong addresses are on my background check!!!. I have had identity theft and I really need help. Its going on for years and I know who did it, sold my information, ( ex ) but no ones helped me except me and its taking a lot out of me and a lot out of my credit score and life in general. Here is my last complaint. This complaint is the same but different job i applied for Last complaint closed without fixing XXXX CLOSED YOUR COMPLAINT I have had identity theft that I recognized starting in XXXX. Not receiving mail, accounts taken out in my name. Contacted postmaster general, got response then nothing. Have files of paperwork that is WRONG. Never could Get to the bottom of this.Computer expert concluded my ex had sold my name and info. as well as my kids. Filed an identity theft report in XXXX County in XXXX which they lost I am ON file with the IRS as an identity theft victim. I believe it involved my then and now ex husband XXXX XXXX XXXX XXXX MI XXXX XXXX - but since I'm just a small person, no one cared. I just got a background check for Instacart and now I know what I knew before but couldn't prove. There are Two addresses in two states that I have never lived in claiming to be mine. I have NEVER LIVED IN NEW JERSEY OR NORTH CAROLINA. How do I correct this information and get it expunged as I know it's probably too complicated to get to the bottom of this. It has affected my life greatly. I will attach the report if possible. Thank you. XXXX XXXX ( went back to my maiden name hoping I could clear up my credit ). Former names XXXX XXXX, XXXX XXXX XXXX responded ( and didn't help at all! ) STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Hi XXXX, Thank you again for contacting Checkr. There are many factors that drive which jurisdictions are included in the scope of service provided to requestors of background reports. Checkr does not choose but instead is directed by the requestor. However, we believe that consideration is given to data reported by various data sources and is sometimes dictated by law or regulation. Checkr is a consumer reporting agency that provides background check reports. Checkr does not assess your qualifications or determine the requirements or criteria on behalf of the party you applied with. The party you applied with, not Checkr, would review the information you submitted and make the final decision regarding your background.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit score has gone down XXXX points since XX/XX/2017 to date however the credit monitoring service and the Experian, XXXX, XXXX credit bureaus are unable to explain why or what companies made the report to cause the drop. I have attached copies of my reports and request a full inquiry providing explanations or restoration of points.

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 2022-11-16
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I would like to request by law the suppression or deletion of the following item : TD AUTO FINANCE Reasons : Negative date goes from XX/XX/XXXX to XX/XX/XXXX Balance increase every dispute Balance is stated different on the credit report than TD Auto Finance Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of four years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean TD Auto Finance is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX I am an XXXX XXXX XXXX XXXX veteran.I was racially profiled by apple at Goldman each.I had a my Apple Cash locked without being given any reason after it being compromised by fraudulent transactions and apple decided to discriminate me instead of helping and giving a reason then they permanently locked my Apple Cash and restricted my Apple Card permanently. I demand retribution in court or a valid reason for this inexplicable discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I saw a charge of {$29.00} on my checking account from Experian Credit Check Total. Experian offered to allow me to view my credit score for XXXX Dollar. I used my bank debit card for a one time only view of my credit score. It did not state, where it could be clearly seen that my debit card would be charged {$29.00} nor did they give a good phone number where the Credit Check Total could be cancelled. Instead I was charged for {$29.00}. I called Experian talked to a supervisor, XXXX to request a refund I was given an email address, that did not work.

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 2015-04-30
Company: National Arbitration Forum
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX/XXXX/15, my husband told me that his ex wife contacted him to let him know that someone called her house looking for him to collect a debt. 
On XXXX/XXXX/15, I received the following voice mail on my cell phone : '' My name is investigator XXXX XXXX. I 'm with the XXXX XXXX XXXX XXXX Department working with XXXX County. I 'm attempting to notify XXXX XXXX of a certified court summons I 've been hired to deliver on XXXX XXXX XXXX to the home and/or place of employment. If I do appear at your place of employment, I will need a supervisor present as a witness. If for any reason you wo n't be available on that scheduled service date, or if you wish to resolve this voluntarily, you may contact the petitioner at XXXX and refer to case number XXXX. Also, your failure to notify the filing party will result in me coming out with the sheriff as well as being issued a body attachment. Thank you, XXXX. Good luck. " On XXXX/XXXX/15, I received this message : " ... left us no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Please reference file number XXXX when calling it and have a good day. '' The first part was cut off by the outgoing voice mail message. At this point, I called the number. I told the man on the phone that I had been receiving calls from the number I dialed. He said that it looked like they were trying to reach - and he said my husband 's name. I did n't tell him that they were attempting to reach my husband ; I told him that the person they were trying to reach could not be reached at my number. He asked if I was sure. I said I was. He asked if I could get a message to that person as there were legal actions pending. I told him no, that whatever the issue might be was not my problem. He told me not to be like that, so I told him again that they could not reach the person they were looking for at my number and to take my number out of their system. He hung up on me. 
On XXXX/XXXX/15, I received another call with the same message as the one on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another call from the same number that I answered and disconnected right away. 
I am concerned at the threats of arrest, legal, action, and " body attachments '', the giving of information to someone who is not confirmed as the spouse, the continued calls after it was establish that the person they were looking for could not be reached at the number they were calling, the claims of working with the County ( and not the county I live in, either ), etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: CT
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 noticed XXXX XXXX XXXX on my credit report as well as fraudulent inquiries for a balance of {$6600.00} opened XX/XX/XXXX. My purse was stolen last year XXXX with all of my personal information in it such as my ID, XXXX, and I had some mail and other personal belongings in my purse that was stolen. Im a victim of identity theft and ask that you delete these Inquiries and account from my credit report immediately. 

Fraud Inquiries ( Company : ) XXXX XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX  ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX XXXX Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX XXXX  ( Date : ) XX/XX/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 2015-08-08
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was laid off from my job and then found a new one. Paid all my debt off but it still shows the debt as being there. 

Even though I have paid all my debts I can not get a car loan. Seems absurd that someone that has always done well has a drawback and can never recover because of this system. If this system is what is going to be used to determine my future then it should be correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: IL
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:
There are several inquiries that I have no account for. Please remove them as I have listed them below. 

XXXX XXXX XXXXXXXX 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 2015-07-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
During the time was going thru treatment for XXXX XXXX in XXXX credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to third party agency who keep renewing the age of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.

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 2022-11-16
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:
This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating XXXX for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) XXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected PRONTO : 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 2022-11-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal account can not be linked to the bank and withdraw cash. I have contacted PayPal customer service many times and the problem has not been resolved. Please CFBP help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a high interest auto loan from Santander Consumer. I had a couple financial issues but have recovered and have been making payments some twice per month to keep current. In the interim, I am also working on fixing credit. When looking over my reports, I noticed a charge off on this very account that I am making payments on, they refuse to take this off my account and say they will not do it even when the entire balance is paid. Is this seriously legal? PLEASE HELP!

Company response to consumer: Closed with explanation