BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-03-12
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX is inaccurate reporting to my Equifax credit report. The asked in dispute letters agency to remove this account because XXXX closed without any reason because they decided to stop accepting my payment out of my account which was set on auto pay. I reached out to XXXX to get an understanding of what was going on and they gave me no response and close down my account without notice. account is being reported as a charge off showing past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: Experian Information Solutions 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:
I have reached out to XXXX XXXX  in regard to this issue but they have disregarded my claim I don't know what else to do.

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 2017-10-14
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports.
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: MO
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 submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however you have closed it on the same day. I sent a letter to the 3 Credit Bureaus last XX/XX/22 to update this suspicious accounts. 
I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Please see the accounts that are reporting inaccurately on my credit profile : XXXX XXXX XXXX XXXX Balance : {$60000.00} ; 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 explanation
Consumer complaint received 2019-08-17
Company: I.C. System, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company claims that I have a balance of {$1700.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureaus that they are reporting this debt to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I know that the FCRA says that a contract needs to be provided to the consumer bearing his signature when validating a debt. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows the name of this company but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.

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 2018-01-27
Company: TD BANK US HOLDING COMPANY
State: CA
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 have never applied for credit with TD bank / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: SC
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 about the account XXXX XXXX on my credit report. It has been removed from XXXX  but not XXXX  or Experian even after several disputes. This was a fraudulent account and the company agreed to remove it if I paid it off in years ago but after paying it off at the time of agreement they never did. The amounts and dates reported are incorrect from one report to another. Also this account is over XXXX XXXX XXXX. Legally with age and incorrect information it should of already been removed. XXXX XXXX  is as follows, closed on XX/XX/XXXX, last reported XX/XX/XXXX, balance XXXX, opened XX/XX/XXXX, On EXPERIAN it states as follows opened date XXXX XXXX XXXX ) XXXX, balance was XXXX XXXX XXXX, highest balance ( XXXX XXXX, status update XX/XX/XXXX with no day of the month. I have disputed this under fraudulent account, company not sticking to agreement, incorrect dates, incorrect balances, and the age of the account which is the reason XXXX  deleted it without incident. I am sure it is also on other reports such as XXXX XXXX, and XXXX XXXX XXXX. From what I have read it should have been deleted from all of them by law due to the reasons listed above.

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 2018-01-01
Company: NCB Management Services 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:
I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX  and XXXX credit files as well. The collections account for santander, Ncb management, needs to be removed as well. If the XXXX account is not valid neither is the collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, 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:
This complaint is because Equifax has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) must remove the accounts from my credit profile within XXXX business days when presented a full ID THEFT REPORT. They have also violated FDCP 809. Validation of debts ( a ) ( 4 ) Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged fraudulent debt. 

Equifax received the initial complaint on XX/XX/2020 XXXX CERTIFIED # XXXX ] Therefore Equifax is NOT ALLOWED take advantage of 60 days to do an investigation. because of this online complaint trying to use an online technicality This is a violation of 607. Compliance procedures [ 15 U.S.C. 1681e ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion on several of occasions to remove the address they have on file on my credit report for XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please note that I have never ever used this address, I dont know anyone at this address and I should have never ever had any sort of bills at this address. My current address since 2002 and to present is XXXX XXXX XXXX, XXXX, IL 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 2017-05-25
Company: Jonathan C. Frank & Associates, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JONATHAN C. FRANK & ASSOCIATES , LLC.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Phone : (  XXXX  )  XXXX  For Debt Collections : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  Email :  XXXX  XXXX  XXXX  This company is continuously calling me and my wife for a debt that is not mine and I have tried to tell them this. They call non stop asking me to verify info and threatening to have me arrested. From conversation I think it has to do with payday loans, I have never had a payday loan. They are a ripoff. I have froze my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: MO
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 submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however you have closed it on the same day. I sent a letter to the XXXX Credit Bureaus last XX/XX/22 to update this suspicious accounts. 
I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Please see the accounts that are reporting inaccurately on my credit profile : XXXX XXXX XXXX XXXX Balance : {$60000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX  XXXX Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however you have closed it on the same day. I sent a letter to the 3 Credit Bureaus last XX/XX/22 to update this suspicious accounts. 
I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Please see the accounts that are reporting inaccurately on my credit profile : XXXX XXXX XXXX XXXX Balance : {$60000.00} ; 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 explanation
Consumer complaint received 2020-03-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX some orders showed up on my XXXX XXXX XXXX XXXX Checking account. These charges originated from XXXX and paypal. I immediately contacted XXXX and XXXX and paypal to report the fraud. XXXX was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and Paypal as well as XXXX. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my XXXX account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to be fraud. XXXX finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and Paypal to settle this matter. Both XXXX and Paypal stated that because the fraud claim was submitted to XXXX for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and Paypal by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a long-time Citibank customer since XX/XX/XXXX. 

I completed the Citibank offer for a Citigold Checking account, promo XXXX, for XXXX XXXX XXXX miles by XXXX/XXXX/XXXX. This was my first time using Citibank as a checking account bank, rather than just a credit card, so I was hoping that Citi would end up being the bank for me, and that we could both gain from this financial relationship. 

After completing the spending requirement by XX/XX/XXXX, a Citibank representative, XXXX XXXX, told me, in writing, on XXXX XXXX, XXXX, to expect the XXXX XXXX points to be deposited within 90 days of XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, after hearing buzz that Citibank was not honoring the offer or needed further escalation, I sent another email to Citibank checking on the status of my miles. 

Another Citibank representative, XXXX XXXX, sent me a secure message stating " records confirm you met all the requirements for promotion code XXXX. '' She also confirmed, " Once your 90 day waiting period is complete, the bonus miles will be applied on the next statement billing which will be no later than XX/XX/XXXX statement. '' After the miles did not post XX/XX/XXXX, I emailed Citibank again, only to be told by yet another representative, XXXX XXXX, that I now have to wait till XXXX XXXX, XXXX for the miles to post, without much explanation as to why Citibank or XXXX were delaying the posting of my miles. 

I have all of these correspondences. At this point, we are approaching a second deadline, and I am out {$90.00} in terms of account fees for the XXXX checking account. The fees started in XXXX XXXX. I believe this is a financial scam at worst, and a bait and switch tactic in the least, which makes it illegal. 

Please feel free to contact me, and use the evidence I am submitting for class litigation action purposes, or for evidence in any manner deemed fit.

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 2020-12-08
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX. XXXX, XXXX and XXXX XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiries on my credit report per XXXX  XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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