BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion and XXXX refuse to unlock my credit and refuse to accept that I am me. So, I have no way to fix this because they won't accept that I am 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Ive been using my XXXX Citi Platinum card since 2001, its what Ive used for all my travel to and from work around the world and its also been my medium of exchange for all my domestic home needs. The very reason I got this card and used it exclusively for over 20 years now was to earn rewards points for my purchases, other people I worked with said the rewards were the best there is and I could never have imagined a stable company like XXXX XXXX XXXX would throw me out with the garbage, but thats exactly whats happening now. 
After all these years, XXXX XXXX XXXX, Chief Executive Officer Citi, informed me with an email that my XXXX XXXX XXXX card was never eligible for rewards/ Points of any kind. Here is a web page showing that this is completely false https : XXXX. 
On this web page both XXXX and XXXXXXXX XXXX are honoring themselves for their long history of rewarding us for everyday purchases and further fostering long-term loyalty. Including 2X ThankYou Points per {$1.00} spent on eligible retail and travel purchases and 2X ThankYou Points on products and services purchased directly from AT & T. In addition, card members can continue to redeem their ThankYou Points for almost anythinggift cards, travel rewards, electronics and much more. 
I now realize that as a card user I have little to no proof because these giants sit atop all the small print and leave me with nothing more than their broken promises.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: FL
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:
I was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX contacted all of the creditors also the XXXX major credit bureaus Experian, XXXX and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.

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 2021-01-16
Company: HCFS Healthcare Financial Services of TeamHealth
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: Old information reappears or never goes away

Complaint:
According to XXXX XXXX XXXX there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( XXXX XXXX XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to ARS, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. ARS responded with a letter ( see attachment ) showing only a balance and service date. ARS failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditor, XXXXa XXXX released my medical records to this third-party collection agency ( ARS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.

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 2022-08-22
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:
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 non-monetary relief
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Tuesday XXXX/XXXX/22 I requested a wire transfer of {$300000.00} from Merrill XXXX to another brokerage due to poor customer service at the former. Merrill 's own website stated that wire transfers are processed the same business day. As of close of business on Monday XXXX/XXXX/22, my wire transfer had not been processed. This means that I have not had access to my live savings for a week while Merrill is able to utilize my money as float for their own profits. This is simply an unacceptable abuse of fiduciary trust and despite multiple promises Merrill has not fixed.

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: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today I was nearly the victim of a sophisticated fraudulent payment attempt using PayPal. I received a payment request via from someone named XXXX XXXX ( with email address XXXX ) for {$500.00} to my PayPal account, which generated a text and an email from PayPal and a note, which I thought was from PayPal with a telephone number ( XXXX ( XXXX ) XXXX, fraudulent ), and when I called that number, the person at the other end attempted to get me to download a file from the webpage https : XXXX to " verify '' my identity, which I did not do. So, I successfully avoided being a victim, but I am relatively savvy and nearly fell victim, so want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Account Number : XXXX XXXX XXXX is reporting this account as a " paid/charge-off '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, XXXX failed to notify me of the account 'NOT '' being closed. The XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces.

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 2021-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with XXXX, XXXX, and Experian about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and Experian wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # 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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent a letter to the credit bureau. 
The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation.

They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.

2. The date they contacted the individual furnishers of information.

3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.

I was never given this information Bureau ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct.

1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2023-11-24
Company: EQUIFAX, INC.
State: GA
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:
The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All have inaccurate information and I submitted a dispute over 30 days ago, information came back verified and it has been 30 days since I asked for proof of verification and still have not heard anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: IL
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 have inquiries on my credit report that need to be removed. I didnt authorize inquiries to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked that these be removed XXXX ago without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: Credit inquiries on your report that you don't recognize

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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Request for Correction of Inaccurate Credit Report Information I am writing to bring to your attention certain inaccuracies in my credit report that need immediate rectification. The following details on my report are currently incorrect : Corrected - XXXX XXXX XXXX Corrected - XX/XX/ Corrected - XXXX XXXX XXXX XXXX, MI XXXX I kindly request that you promptly update my credit report with the accurate information provided above. Any other discrepancies in my report should also be thoroughly reviewed and corrected as necessary. 

Your swift attention to this matter is greatly appreciated, as it is vital for me to have an accurate credit report for various financial transactions and opportunities. Please inform me of the progress and the anticipated timeline for these corrections. I can be reached at [ Your Contact Information ] for any further clarifications or updates. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, 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 2022-06-25
Company: EQUIFAX, 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:
According to the FCRA 15 USC 1681 validation I need all collection accounts on my credit report verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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:
So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # Experian XXXX. 
# XXXX  XXXX # XXXX XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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: MD
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 have been a victim of Identity Theft and Fraud namely XXXX XXXX XXXX, XXXX XXXX Breach, and XXXX  XXXX Data Breach. 
Fraudsters have somehow accessed my information through these data breaches and have left behind hard inquiries on my credit report as a result of Opening Fraudulent accounts with my information. 

I have sent an Identity Theft Victims Assistance Affidavit - to TransUnion containing the following inquiries which must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is the tracking number of the mail which was not responded to. 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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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