BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
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:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

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 2022-01-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

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 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-14
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: Account status incorrect

Complaint:
The following late payments are billing errors pursuant to 15 USC 1666b

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 2019-05-16
Company: WESTERN UNION COMPANY, THE
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XXXX XX/XX/2010, I asked Western Union if it is possible to send money to the XXXX using the Western Union online money transfer service. It is over nine years now, and I still have not received a response. I mentioned the letter in a recent email correspondence with Western Union. Western Union addressed my other concerns, but continued to not respond to my XXXX XX/XX/2010 letter. 

I used a combination of debit and credit cards to send money to family in the XXXX using the Western Union online money transfer service without success. I use these same two cards for daily transactions with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Viking Client Services
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX, of Viking Billing Service XXXX XXXX XXXX MN dated XX/XX/XXXX stating that a car I rented fromXX/XX/XXXX in XXXX XXXX CA was damaged while in my possession and that I owe {$410.00}. There was no description or evidence of the alleged damage, and in fact, I drove the car only XXXX  miles without incident. It was parked for all but the trip to and from my parents ' farm. When I returned it, no mention was made of any damage. 

I talked to a representative at Viking who said she could send documentation of the damages, but I have not received any such documentation as of this writing. Not that that would somehow change my mind -- no damage occurred to the vehicle while in my possession. I contacted XXXX and they told me they have no record of damaged related to my rental. 

I have mailed a letter to XXXX XXXX using one of CFPB 's templates asking that he provide evidence of damage, and otherwise desist from contacting me. I also filed a complaint about this episode with the Minnesota and North Dakota XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good day, I have tried to contact experian via phone call after phone call. I was able to contact experian by email several times within the last 2 months an informed them that they have illegally put a freeze on my account. Experian has not sent me correspondence back after I informed them that they have not been reporting XXXX for 16 months, XXXX  for 4 months and XXXX XXXX for 6 months nor my XXXX XXXX XXXX for 5 months.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've been a victim of identity theft and i still noticed the fraudulent accounts appearing 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 explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: KY
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:
Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge on XX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.

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 2017-07-21
Company: EQUIFAX, INC.
State: KY
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:
Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge onXX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank has taken every step to avoid paying out their " Promotional bonus ''. After recently submitting a case to XXXX, I discovered why TD was withholding the " bonus '' which makes no sense. 

It is clear that TD was running a promotion for their Beyond Checking. It is documented throughout the internet and I received a flyer in the mail even though TD declines they sent one ( unfortunately I recycled it after signing up as I did not expect to be scammed by a large bank ). 
https : XXXX https : XXXX XXXX XXXX XXXX To say the only " online '' promotion they were running was the Direct Mail Checking Promotion is just false. To make matters worse, even if that were true ( its not ), I still received a promotional mailing which they somehow can't track ( how convenient ). 

Second, if the only " online '' promotion they were running was the Direct Mail Checking Promotion, why did 4 TD Bank Digital Specialists as well as a representative at a local branch ( who spoke directly to the promotion team ) only mention the issue of time? 

Upon further digging into reviews, this is not the first time TD has promoted bonuses and then avoided paying them. 

Just recently on the XXXX  website : XX/XX/2019 " I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$300.00} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my government employer, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$300.00} promotional value would appear in my account. '' Background : My account was opened on XX/XX/2019. Per TD terms and conditions : " The account must be opened for at least 95 calendar days to receive the incentive bonus. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. The Promotional Bonus will be paid between 95 and 140 days after account opening if requirements have been met and account is in good standing. '' During this period, I've reached out to TD on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've yet to receive my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Being an XXXX XXXX Service Member, I scheduled two separate monthly payments towards my Bank of America credit card. At the time I was scheduling the payment, the W-Fi I was using from my location was kinda weak but eventually the scheduled payments went through and I received two separate confirmation numbers. # 1 ) XXXX # 2 ) XXXX I received a credit notification where I was reported 30 days late to all three credit bureaus. I was really upset because I knew I scheduled these two separate payments for my Bank of America credit card. I sent an email to the Executive Office of Bank of America explaining the situation where I am an XXXX XXXX Service Member and I was in a location where I was scheduling a payment via Wi-Fi and how I was possibly having issues with the mobile app on my device. The woman I spoke with, XXXX XXXX, said she would check with IT and most likely can not remove the 30 day remark. She eventually called me back a few days later saying IT could n't find anything and I asked for proof and she could n't provide it. Technology is a tricky thing and honestly can not be trusted but I am honestly explaining to them that I scheduled the payments. I did n't take this well because I KNOW I set up this payment. At the time of the phone call I did n't have the confirmation numbers and I explained to her they 're at home. Since I have them, I am providing them in this email. I also contacted Bank of America this morning but left a voice mail. I am requesting this 30 day late remark be removed from all 3 credit bureaus due to the difficulties of the application through the bank. As a Service Member and having my integrity questioned is very appalling and hurtful. I explained to XXXX that I have a upcoming re-investigation for my XXXX XXXX XXXX XXXX and keeping my credit up to date and in good standing is a high priority to me. If you have any questions or would like to discuss this please contact me at the information below. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

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 2022-01-04
Company: Self Financial Inc.
State: AL
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:
On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX XXXX I am submitting this complaint without any influence from any third party or agency. 

On XX/XX/XXXX, I asserted my claim to the instrument and proceeds exceeding any balance over {$1.00} to be credited back to me, as described in 12 CFR 226.11. When this letter was sent the balance that was on my credit card account with BOA was {$500.00}. I made a payment of {$50.00} and made a purchase which then left my balance at {$470.00}. 

I received a letter back from BOA, which I have attached to this complaint, which was dated XX/XX/XXXX, that says as of the date of this letter, the account doesn't currently have a credit balance. The same day that I received this letter, I received my new statement which was from XX/XX/XXXX thru XX/XX/XXXX. This statement is attached to this complaint as well. 

This statement shows that there is indeed a balance of {$470.00}. The letter that they sent to be proves that they violated 12 CFR 226.11. I requested for them to credit me back and the lied and stated there was no balance. I have since sent another letter, certified mail receipt attached, with the evidence that there is a balance on my account, a copy of the letter that they sent to me and a 2nd letter that specifically outlines the amount that I am requesting to have credited back to me within 7 business days from the receipt of this written request.

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 2022-06-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The following late payments are billing errors pursuant to 15 USC 1666b

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Im accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX Bank XXXX XXXX XXXX has violated my rights. 

U.SDepartment of education XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can not furnish an account without my written permission.

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 2022-04-29
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: Information belongs to someone else

Complaint:
Transunion has my name listed as XXXX XXXX XXXX ( which is correct ) XXXX, XXXX, XXXX ( which is not correct ) XXXX XXXX ( which is not correct )

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 2022-01-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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