BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 late payments reporting on my credit report that aren't accurate.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 2019-08-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has no live agents accessible to address issues with credit freezes ( or seemingly any matter ). 

I atried to lift my freeze online, which I have done in the past, but instead got an error saying I needed to MAIL IN my request to life a temporary freeze. The company also wanted me to send in all sorts of personal information via mail - multiple copies of bills, social security card, birth certificate, etc. 

called their numbers ( XXXX and XXXX ), but when I went through the automated credit freeze lift process, I again got a message that my request must be made via mail. I tried to go through all the other prompts, but there was no way to speak with a live person. I should note I tried this phone call during normal business hours ( around XXXX ET on a Thursday ). 

I've had no problems regularly lifting my credit freeze from the other bureaus, and have used Experian 's in the past as well, so I'm not sure what's going on. 

Either way, these credit reporting companies who were are FORCED to do business with, should be forced to provide LIVE customer service for those who experience issues.

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is a company called XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, MA XXXX ) that has been posted on my XXXX, TransUnion, and XXXX report that is complete FRAUD. Ive tried clerking with them in removing and telling them this isnt me, my name or address. Theyve refused due to being so greedy for money. This is not my account and Ive never opened anything with them. The balance date is : XX/XX/2019 and was alerted to me on XX/XX/XXXX. 


There is also another fraud file reporting on my XXXX, TransUnion, and XXXX report called XXXX in the amount of {$1200.00}. Ive tried stating to them this credit card was opened by my sister and NOT me. Ive had zero help in fixing this issue and it needs to be removed off of my account. I dont Understand why I have To keep fighting these fraud charges. I need My credit files LOCKED

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 2021-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had my credit card saved on my XXXX account, and one day I get an email saying that the email account linked to my account was changed. Shortly after, I see XXXX purchases made on my linked credit card to XXXX. Despite immediately contacting both XXXX and XXXX, the fraudulent claim was denied. I have not been given any information regarding these charges, I do not even know where the food was ordered to, or what email address my account was changed to.

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 2019-12-17
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: Information belongs to someone else

Complaint:
There are accounts on my credit report that aren't mine. please remove them

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 2021-12-13
Company: U.S. BANCORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Elan Financial services obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Elan Financial Services obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( 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 ;

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 2017-04-14
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I become aware of this " debt '' when I credit application was denied and I subsequently checked my credit report in XXXX. I contacted debt collector, PETER ROBERTS & ASSOC located at XXXX XXXX, MA XXXX to inquire. He informed me that this was for collection of medical debt by XXXX. As I have not received any XXXX care from this company since at least XXXX, I called the company which informed me that the debt was for what appeared to be a medically unnecessary treatment provided to XXXX, which was denied payment by insurance company because the procedure was medically un-necessary. XXXX XXXX is a XXXX year old adult. XXXX told me that they pursuing me because they have me down as her guarantor. I have never, either orally or in writing guaranteed XXXX ' medical medical bills, much less the medically un-necessary treatment. 
I told Atrius health and PETER ROBERTS & ASSOC that I will pay the bill to save myself the trouble of litigation and avoid having negative information on my credit report. 
Despite the fact that I paid this bill that does not belong to me PETER ROBERTS & ASSOC still reports this debt collection as if it was legitimate to credit reporting agencies ( as a debt that I owed and paid true collection ). I did not owe any money to XXXX and they used collection and negative impact on my credit score blackmail me into paying the money but still kept this false information on 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 non-monetary relief
Consumer complaint received 2017-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
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: Account information incorrect

Complaint:
TRANSUNION have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. TU says 120 days late and XXXX  says 180 days. It cannot be both. TU are also reporting 120 days late (9 times)..XXXX  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****TU are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. TU are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX.That doesnt match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” asXX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.

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 2017-04-17
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am disputing a collection account owned by World Acceptance Corporation ( listed as Midwestern Financial ) being reported on my credit report. I have made several attempts to obtain VALIDATION of this debt, but I believe World Acceptance Corp is being deliberately obstructive because they do not have this validation. They claim I did not provide them with enough info, which is not true as my attached evidence shows. 

XXXX : My XXXX letter was signed for XXXX : WAC claimed my letter was not sufficient for dispute under FCRA ; they also sent settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter XXXX : WAC claimed they already addressed my issue and would not respond to future correspondence ; I then received a XXXX settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter with plenty of detail again explaining my request. As of today, XXXX WAC has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I received a texted message from my bank, Wells Fargo, through the phone number ( XXXX ) XXXX stating I had spent {$200.00} at XXXX XXXX which I had not. I responded to the text saying " No '' meaning that was not me, and later on I received a phone call from ( XXXX ) XXXX pretending to be Wells Fargo and " helping '' me out with the situation. They told me the person who had gotten ahold of my information was able to reopen my old card and use it to spend money at various places including two XXXX transfers of {$500.00}. They said in order to get my money back I had to add myself as a recipient on XXXX and XXXX myself the money back. The only reason I followed through with this was because they told me I would receive a text with a code I had to read to them which is usually what happens on phone calls with the bank. Additionally, the text came from the same phone number that sends me receipts for my deposits which is an actual XXXX digit Wells Fargo number. They told me my money would be added back into my account in a couple of hours. Once I saw it was never added back, I called Wells Fargo where I was able to speak with a real representative who told me the situation had been fraud, and they filed a claim for me. Now the claim has been closed, and they are unable to do anything because there was no fraud detected on their side although I lost {$1000.00}.

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 2019-08-08
Company: AMERICAN EXPRESS COMPANY
State: KS
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:
Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( XXXX, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

American Express has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. AMEX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX, XXXX and XXXX all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Aargon Agency, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Collection agency sent me a letter saying I owe {$150.00} to XXXX. I paid full balance of {$62.00}. I have their receipt stating a {$0.00} balance after the payment of {$62.00}. I sent an email to this collection agency attaching the receipt and I never received any a response. To anyone reading this I do n't recommend XXXX. They were nice before, but as soon I accepted their services they forgot about 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 2021-06-15
Company: Experian Information Solutions Inc.
State: IL
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 late payments reporting on my credit report that aren't accurate.

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 2021-06-15
Company: EQUIFAX, INC.
State: IL
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 late payments reporting on my credit report that aren't accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, TransUnion, XXXX in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.

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 2019-08-08
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2012, I call the company ( XXXX XXXX XXXX  ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed 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