BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have accounts on my credit report with XXXX, Transunion, and XXXX that do not belong to me.

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 2023-11-20
Company: EQUIFAX, INC.
State: FL
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am sending this complaint as a follow up to once again asking for assistance to request the XXXX and TranUnion Credit Bureaus for the removal of inquiries from my credit reports. I realized that these inquiries were made in error or without my authorization. I understand that inquiries on my credit report can impact my credit score, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, I kindly request your assistance in promptly investigating and removing these inquiries listed below from my credit report. 
XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After signing up for credit monitoring, i discovered some unauthorized accounts that are showing on my credit report illegally. I requested proof via certified mail and i didn't receive any, no real investigation was completed either.

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 2022-09-19
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 company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : 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 2022-07-28
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:
This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}

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 2022-06-24
Company: Experian Information Solutions Inc.
State: PA
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 previously ask for a investigation into my credit file because there are account that are not reporting factual data please re- investigate these accounts and please hold these companies accountable for inserting incorrect information that is damaging people credit files.

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 2022-06-24
Company: Americas Car-Mart, 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:
Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the XXXX major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.

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 2022-06-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Auto-pay has been set up on my Target RedCard for years and I have never missed a payment until suddenly in XXXX my autopay was returned. I had not changed my bank account information and I had more than sufficient funds in my account. The payment of {$940.00} was attempted on XX/XX/XXXX with the autopay service. Upon calling Target 's credit card help line on XX/XX/XXXX I was harassed by the agents telling me that I needed to pay my debt but not offering any sort of assistance or clarity into what had happened. I had attempted to pay with my XXXX XXXX, as well as my Checking account, each of which had more than sufficient funds in them. All of those were rejected by Target. No other credit card or auto-pay service has been returned, only Target 's. 

I paid " my debt '' by using my Savings from XXXX on XX/XX/XXXX. My payment was for {$1200.00}, I had uploaded my information into Target 's system and the payment was posted that same day. Because that was the case I had figured maybe Target just had an issue with XXXX for some reason, and I decided to resume auto payment with Target using this XXXX account. On XX/XX/XXXX Target attempted to charge my account for {$1200.00} using the XXXX Savings information saved from the XX/XX/XXXX payment. On XX/XX/XXXX Target returned this payment claiming that there was insufficient funds. My Savings account at XXXX has well over {$420.00} in it, and XXXX shows no attempts at payment were made. 

Target is charging me a {$30.00} returned payment fee for this and has been incapable of providing me with any sort of information other than demanding that I pay off my balance. 

Each phone number for the XXXX assistance will either go dead or take you back to the payment center where you are only able to make a payment, not receive true assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: EQUIFAX, 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:
I submitted a dispute asking Equifax to investigate incorrect information on my account, with the dispute I sent in a copy of my license and social security card. On XX/XX/XXXX I was sent a letter asking for identification which I sent in twice already. After doing my first dispute I didnt get any results after 30 days I did a second dispute and was asked for identification so I did a complaint then received a letter XX/XX/XXXX stating my dispute was being processed and I will get the results by the 30 days of my previous dispute. Which that time has passed and still no results. Equifax was recently on the news for not updating and processing people correct information and scores. My rights are being violated as per the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX  says is nowhere to be found. XXXX refuses to allow you past the automated operator. Equifax refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX  says is nowhere to be found. XXXX refuses to allow you past the automated operator. XXXX refuses to take my info or evidence, and Transunion wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing 26 accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals.

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have 30 days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit reporting department has not been able to assist in any way. Please Please.

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE 30 DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR 26 INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for 26 individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in XXXX 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I was referred to you by 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 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I banked with Bank of America years no problems at all years I lost my card didnt know i lost it untill like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXX XXXX I would never write bad checks in my account never I have a business and family to support

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 2022-06-06
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy Federal Credit Union closed my open end consumer credit plan without my authorization and permission. See attached document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: NM
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. 
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 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 explanation
Consumer complaint received 2022-09-19
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am filing a complaint against Venmo because they have frozen my account on their platform due to " security concern '' about 14 days ago. I confirmed with Venmo via email, and phone multiple times that the transactions were ones that I was attempting to make and they confirmed the transactions that caused the freeze. The transactions that triggered my account to be frozen were one transaction that happens monthly ( same amount, same time, same person ) and the second was payment to a Venmo approved business. When speaking with a representative on the phone they agreed that these transactions should not have resulted in my account being frozen. 
I have no ability to remedy this situation and continue to be told that some one will reach out to help me solve this issue, still waiting for that to happen. 
Venmo offers no other solutions for this issue other than to wait, initially I was told this would happen with in a few days, then on the next call I was told 7 days, it was not until the 3rd call that I was told it can take up to 3 weeks. 
This wait time does not make sense if I, the account holder, can verify the transactions as my own and verify my identity. My bank is able to handle similar issues with in 24 hours. A company that has been operating for 13 years and grossed over {$850.00} XXXX last year alone should maybe invest more in the actual customers ability to utilize the platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
XX/XX/23 a formal dispute letter was sent to equifax to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.

Company response to consumer: In progress