BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
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 is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX balance : 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: SC
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:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX : XXXX XXXX, 2022 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Problem with personal statement of dispute

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: TN
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.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
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 non-monetary relief
Consumer complaint received 2023-02-14
Company: CL Holdings LLC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Multiple devices were charged to my account without my knowledge. I tried calling to have them removed saying I didnt give permission to the person that added them to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a small business account with Pay Pal in XX/XX/2022 and they have put a hold on my money ( {$10000.00} ) and are holding it hostage. They will not allow me to transfer any of my money to my linked bank account. I have a business to run and need the revenue. 

They never mentioned that there will be limit of any currency over {$2600.00} and that they would hold for 30 days and only release portions of it every 30 days. These are all credit card transactions that have already cleared with our various customers. So in reality they there is no reasoner for them to hold it. It could take up to 6 months for me to receive my total {$10000.00}. 

I have tried to resolve and they denied me. 

The person who helped me set up the account and works for Pay Pal is XXXX XXXX ( XXXX ) XXXX XXXX. He has also tried to help me get my money but unfortunately was unsuccessful with the higher ups. 

Please Help! 

Thank You! 

The Business is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: DISCOVER BANK
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
My original complaint wasn't resolved or fully addressed. I did not receive 6 months of personal coaching. 

On XX/XX/XXXX, I purchased a " 6-month personal coaching package. '' XX/XX/XXXX was not the actual " start date '' of this program, and the coach claims that the end date is XX/XX/XXXX. Even if the official start date was XX/XX/XXXX, 6 months would be up on XX/XX/XXXX. On Friday, XX/XX/XXXX, XXXX texted me and advised that my program ended on XX/XX/XXXX. According to my computations, XX/XX/XXXX to XX/XX/XXXX does not add up to 6 months time. After being misled about this program, I only received one document identifying my baby step to work on dated XX/XX/XXXX. No other goals were formally documented and/or tracked. XXXX has no credentials, licensure, education, etc. that allow her to operate in the capacity that she attempts to. She gives erroneous medical recommendations, which are far beyond her scope of practice. Again, she doesnt have a medical degree to practice in this capacity. XXXX also attempts to act as a mental health practitioner, asking questions about childhood/background and making canned recommendations based on responses. XXXX is not a licensed counselor, social worker, or therapist and should not be acting in this capacity. The weekly XXXX  that XXXX was offering access to were not tailored to specific individuals and everyone in her program has access to these XXXX. However, the majority of the time, the XXXX  links dont work, and program participants cant get on. Not that the material shared in the XXXX  is anything unique or of particular value. Again, these are generic XXXX  ; not tailored to anyone specific. Lastly, to reiterate and recap, XXXX does not have any type of certifications whatsoever. She is unqualified to be operating under her current business model. She claims to be knowledgeable about various health conditions solely because she herself suffers from them. Its a ridiculous scam, operating under the guise of a program. Furthermore, it intentionally targets vulnerable populations, suffering from health conditions, which again, XXXX is unqualified to treat/diagnose/make recommendations for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX 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, 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 2023-02-10
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I submitted a complaint through the CFPB about collection agency XXXX  XXXX because they failed to meet FDCPA requirements and never validated the account that is reporting on my credit report. Since then, XXXX and XXXX have removed the inaccurate account, but Equifax is still reporting this account without any method of validation. The collection agency could not provide a contract with my signature, a license to collect debt in my state, or history of the account hence why it was removed from XXXX and XXXX. Equifax is in violation of FCRA protocol by reporting inaccurate information on a consumer 's credit report. This account should be immediately removed from my credit report, or I will be seeking {$1000.00} per violation. I will attach the letter that was sent to XXXX XXXX in which they could not provide the required information. Equifax should follow suit immediately and remove this account from my credit report. Please see the response from XXXX XXXX attached and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit 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 2023-02-10
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:
Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit 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: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 do not understand how my XXXX XXXX can drop from XXXX to XXXX on TransUnion and from XXXX to XXXX on XXXX and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only XXXX active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted 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 2023-03-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: National Credit Adjusters, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In 2019 my family was going through hardship as both my wife and I lost our jobs. When I was called to receive a cash loan, the interest payments were not explained to me. Especially the fact the interest was 500 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Took out a car loan with Wells Fargo XX/XX/XXXX. Paid the loan in full. However now Wells Fargo has been ordered to pay a massive fine for defrauding its customers between XXXX until now. I believe I am a candidate For some of the settlement

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 2023-02-03
Company: Experian Information Solutions Inc.
State: UT
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 am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2023-01-25
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regarding account : XXXX. 
I would like to report this transactions as scam XXXX XXXX XXXX {$1200.00} XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 I purchase a Hedgehog from XXXX XXXX for {$250.00} and when the pet was been sent to us via air from texas the company transporting the pet contact me saying that we needed a XXXX cage for the animal and insurance due to he fact that it was an exotic pet, XXXX XXXX told me that all those fee were going to be reimbursed once the pat was deliver but we never received the pet and now the email phone and website has shot down. 

XXXX XXXX- insurance company XXXX  My bank refuses to help me saying that this verify this information I don't know with who or when but they dont wan na help 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 2023-04-06
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation