BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
i sent a letters on XX/XX/2022. my tracking is as follows. ( XXXX ) ( XXXX ). to remove personal information that i do not want on my credit repoert. According to the fair credit reporting act 15 USC 1681. i have a right to privacy.

also act 15 USC 6802. it states that no financial institutions is not supposed to share my information to a thrird party people.

these are clear violations of my Federal protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, 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:
CFPB compliant # XXXX I received a correspondence from your Equifax dated XX/XX/XXXX via CFPB indicating that the investigation of my disputes was complete. As of date, Equifax is still violating federal law by furnishing these inquiries on my consumer report without my written consent pursuant 15 USC 1681b ( a ) ( 2 ).

Equifax responded alleging that the inquiries in reference were verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Im exercising my right under 15 USC 1681i ( a ) ( 7 ) and requesting Equifax method of verification and by federal law they have 15 days to respond upon receipt of this notice. If these accounts was in fact verified as Equifax claim, that would mean that they investigated it and it would also mean that this was in fact an investigative consumer report. Therefore, under 15 USC 1681a ( e ) I want to know exactly Equifax spoke with and the method used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 USC 1681a ( e ) I am demanding the following : - Which neighbor did you speak with? 
- Which associate did you speak with? 
- Which friends did you speak with? 
- Which acquaintances of mine did you speak with? 
- Was the information that you received factual? 

Please keep in mind that Equifax only have 15 days per federal law to respond to this request. If they do not respond in time this information must be permanently removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
EXPERIAN IS INCORRECTLY DISPLAYING MY CREDIT HISTORY AS BEING " ONE MONTH '' OLD. I HAVE REPEATEDLY TOLD THESE IDIOTS, MY CREDIT HISTORY GOES BACK TO XX/XX/XXXX. THAT IS LONGER THAN ONE MONTH. MUCH LONGER! THEIR TELEPHONE PERSONNEL ARE USELESS, BESIDES BEING BARELY ABLE TO SPEAK ENGLISH. USUALLY THEY HANG UP ON ME AFTER LESS THAN TWO MINUTES ; THE PHONE CHICK I SPOKE WITH TODAY ( XX/XX/XXXX ) FALSELY ACCUSED ME OF USING " PROFANITY '', AFTER I STATED THAT EXPERIAN ( AS A WHOLE ) OBVIOUSLY DID NOT KNOW WHAT IT WAS DOING. SHE CONNECTED ME WITH AN ALLEGED SUPERVISOR, WHO ALMOST IMMEDIATELY HUNG UP ON ME. EXPERIAN IS COMMITTING FRAUD AGAINST ME, BY REFUSING TO CORRECT THE WRONG INFORMATION, AFTER BEING TOLD OF THEIR ERROR SEVERAL TIMES. 
THIS IS FILED WITH THEM USING EXPERIAN REPORT # 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 2023-11-22
Company: EQUIFAX, INC.
State: FL
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 am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: PLANET HOME LENDING, LLC
State: WA
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: Their investigation did not fix an error on your report

Complaint:
My credit report with XXXX incorrectly shows I missed XXXX mortgage payments after my XXXX XXXXXXXX repayment plan completed. I contacted Planet Home Lending and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. XXXX still shows XXXX missed payments. I have filed multiple disputes with XXXX and they have refused to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This complaint was also submitted by telephone to XXXX at XXXX on XXXX XX/XX/2022. The telephone complaint tracking number is XXXX. 



I have been informed by my insurance company XXXX XXXX XXXX XXXX ) that the rates on my home and auto insurance coverage are being increased due to a decrease in my insurance score ; probably due to a decrease in my credit score. My score recently dropped from a tier XXXX to a tier XXXX. 


For several years my credit score has varied between XXXX and XXXX. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. He informed me that my credit score is XXXX and the decrease was probably due to a negative score factor for a non-mortgage installment loan. I informed XXXX that have no loans. He refused to give me any more information unless I upgraded my membership. I refused to do so. 


Checking on-line it appears that Experian is required to identify any sources of negative information. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. She confirmed that the negative score factor for a non-mortgage installment loan is part of my record and initially refused to identify the source. When I pressed her she responded that they are just given the numbers and are not required to verify the numbers or the source. I informed her that I wanted the negative score factor for a non-mortgage installment loan removed and my credit score adjusted accordingly. She refused. 


Both XXXX and XXXX claimed at the beginning of the calls that the calls were being recorded. The above conversations should be easily verified.

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: EQUIFAX, 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:
My current address has been reported to Equifax however they keep listing a fraudulent address associated with a fraudulent account as my address. My address is XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported fraud on my account on XX/XX/2023. There were numerous charges for hundreds of dollars that I did not make. I immediately reported the transactions as fraudulent when I received an email notification about other charges that were declined. 

The fraud was reported and temporary credits were given but my available credit was not updated. I contacted Capitol One and they advised that the temporary credit was put on hold until the investigation is completed which could take XXXX  days. 

Providing temporary credits but putting them on hold seems illegal. Why post credits to the account if they are not able to be utilized. 

I am unable to pay my bills due to fraud on the account and the credits being on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, there are several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries and personal Information listed are inaccurate and needs to get deleted immediately : 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 2022-11-27
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied and got approved for a credit card on XX/XX/XXXX. Now it's been three weeks. I still haven't received my credit card. I contacted customer service many times. Their response is always there's been a delay in card production process. I need to get my card as soon as possible, otherwise I won't be able to complete the spending requirement on time.

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: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I travel alot and i'm not always around most of the time. I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi XXXX XXXX XXXX XXXX XXXX has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been 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 monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: MN
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  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Atlanticus Services Corporation
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Refer to case # : XXXX. This has NOT been resolved. Against my better judgement I made payment ... what choice do I have? credit is taken a hit thanks to this infuriating company. Again NO RESOLUTION HAS BEEN OFFERED OR ATTEMPTED other than form emails I have been receiving from the beginning. I have explained the situation MULTIPLE TIMES Even attached screen shots also describing this issue in complete detail each time. How is there to be a resolution if the company responds to my emails each time as if it was the first time I've reached out/explained this situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have created an account with Charles Schwab. The account included a brokerage sub-account and a high yield checking account. Both were funded by XXXX of XXXX. The account was then locked, requiring verification. I have contacted Charles Schwab on several occasions. Most recently on XX/XX/24 through phone. I have visited a local branch for Charles Schwab in XXXX, Arizona. They did not unlock the account. I have requested that the account be closed, and this was not allowed. The account will not be closed, and funds were not returned to the account which funded these two.

I made two payments of XXXX. One for a brokerage, and another for a high yield checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX TransUnion XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX & XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # xxxxxxxxxxxx XXXX XXXX Acct XXXX xxxxxxxxxxxx XXXX XXXX XXXX  Acct # xxxxx XXXX XXXX XXXX Acct # xxxxx XXXXXXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without 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 2022-06-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached an account that is reporting many inaccuracies to my credit reports and and in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

XXXX. XXXX XXXX  opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Per - 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached an account that is reporting many inaccuracies to my credit reports and and in violation of the FCRA.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached an account that is reporting many inaccuracies to my credit reports and and in violation of the FCRA.

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