BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried to remove the following bankruptcies from my Transunion and XXXX credit report that have been failed to be validated. I have reached out to Transunion and XXXX on multiple times. XXXX has removed the bankruptcies due to them not validated. I have been trying for over 2 years. Please help me, as I feel that I can't get anywhere. 

XXXX XXXX  Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy 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 2021-08-10
Company: EQUIFAX, INC.
State: NV
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge differenceXXXX XXXX  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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
I am interested in disputing all invalid data that is hindering my file on my Equifax credit report. please update an remove all inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Hi, This is in reference to my previous complaint- XXXX-XXXX  raised with consumer bureau and for case number XXXX open with chase bank in USA to sent the checks for my amount {$6500.00} and {$900.00} which are with chase to my XXXX address shared within email with them, I have responded to their email from XX/XX/2021 and as per their suggestion I have shared the scanned copies of both the checks for respective amounts with affidavit documents in their format shared and have got the verification from XXXX court, XXXX , XXXX . 

I have ensured that the identity and address proof ( electricity bill ) is shared with them so that chase can send the two checks at my XXXX address shared with them as per my email response. Its been more than two years and multiple times I am following up, so request you to please share the concern and send the checks of respective amounts which was money from my account due with chase to my XXXX address. 

I have shared response on Saturday ( XXXX XX/XX/2021 ) to them by attaching all the proofs and documents requested as per suggested format. Please note every-time producing this document is very difficult with covid and costs me good money to be spend. 

MOST IMPORTANT- I would require the tracking number of the courier service once the checks are sent out since last two times there was no tracking number shared and it was difficult for me to know if the checks are sent to proper address and will reach to me in XXXX . Attached is the previous complaint details for reference. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSWORLD SYSTEMS INC
State: MI
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 sent information to XXXX, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to XXXX  extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is TransWorld System Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In XX/XX/XXXX, I contacted Transunion and spoke with a representative ( foreign ) and provided him with an account in which I wanted to place under dispute, which was XXXX Account. Once I got the results back in XX/XX/XXXX, I noticed that he disputed the wrong account instead he removed a XXXX account that was reporting a {$0.00} and that was a fairly good account on my report. I contacted Transunion today, XX/XX/XXXX and got a foreign representative again and explained the dilemma and she stated there was no way that they could re-insert the account. I requested to be transferred to someone in the United States, preferrably the Special Handlings Department in which I got XXXX who was a supervisor in the Special Handlings department. After I advised her of the situation she advised me that though it was their error, there is nothing that can be done. They are not to remove accounts that were n't placed under dispute unless it is time for them to be removed by timeframe and it is not. 

Since this account has been closed for a while, I highly doubt that XXXX will start re-reporting this account, since this since this will there will be a fee incurred for them to do so.

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 2023-01-10
Company: Klarna AB
State: CA
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 customer service

Complaint:
Klarna has made it exceptionally difficult to make payments to an open account. They do not allow payments to be made by telephone, despite my efforts to do so on XX/XX/2023. Klarna has made it exceptionally difficult to keep personal access to an open account. They recently made it a policy where you have to authenticate by access code through both email and wireless text. Authenticating with one should be enough, but they require both at the same time, and should your number change, like mine did, they can not update your phone number and restore access to your account unless you provide current photo identification through an automated process ( and customer service representatives can not do anything to help you in this automated process ). At the moment, I can not provide photo identification, because mine is expired, and being XXXX, I have not been able to go down to the XXXX and get a new card. Therefore, because of their corporate policies that deviate from standard practice, I'm going to be marked late in making my payment, affecting my credit score and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name XXXX XXXX XXXX  Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CrossCountry Mortgage LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 XXXX XXXX, XXXX, a successor to XXXX XXXX XXXX XXXX ( XXXX ) hired XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to prepare an Assignment of my alleged Mortgage to XXXX XXXX XXXX, XXXX for " good and valuable consideration the sufficiency of which was purportedly acknowledged. 

Please state the full amount of " good and valuable consideration '' in $ $ XXXX and the name of the individual employee who acknowledged this consideration and the amount paid ; and his/her place of employment. 

Please provide me proof of payment of this valuable consideration, such as copy of wire transfer receipt, ACH or cancelled check. 

Please state when and where this valuable consideration was paid, the name of an individual officer who made this payment with his full place of employment ; and the name of an individual officer who received this good and valuable consideration. 

Please provide me a copy of the ledger for the account receivable where this valuable consideration was deposited and a release of lien signed by an individual employee evidencing that I do not owe any money to XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: CAINE & WEINER COMPANY, INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the mail from Caine & Weiner on XX/XX/2017. The letter claimed that that I owe XXXX {$520.00}. I do not owe XXXX any money. I called XXXX to verify that no one opened an account in my name. XXXX confirmed having no record of me owing them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Wells Fargo Home Projects Account Number : XXXX XXXX XXXX XXXX Purchased a new Air conditioner by availing an amount of XXXX XXXX=per billing cycle as of XX/XX/XXXX under a fixed installment plan of {$220.00} per month. 
The Card was issued to XXXX XXXX XXXX XXXX NJ At the time of purchase I was told it's a no interest funding as a part of the special terms extended by the bank under the arrangement extended to the customers of the subject company to attract my business. 
As of XX/XX/XXXX the balance due was shown as {$3000.00} as I have been paying my installments regularly. 
AS OF XX/XX/XXXX THE BALANCE DUE SUDDENLY INCREASED TO {$5700.00} AS THE BANK MADE AN UNAUTHORIZED INTEREST ADDITION FOR AN AMOUNT OF {$2800.00} WITHOUT MY CONSENT OR AUTHORIZATION. 
MY MONTHLY INSTALLMENT NOW IS BEING SHOWN AS MINIMUM PAYMENT DUE AND FROM NO INTEREST I AM BEING SUBJECTED TO PAY AN APR OF 28.99 %. 
PLEASE INTERVENE AND SAVE ME OF THIS HARASSMENT DURING THIS PERIOD OF HARDSHIP AND CRISIS DUE TO COVID 19.ALL OTHER BANKS ARE OFFERING RELIEF WHILE WELLS FARGO IS ACTING AS A PROFITEER. 
I AM A SENIOR CITIZEN AND FEELING HELPLESS THANKS AND REGARDS

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 2017-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
HSBC had a promotion where they would pay out {$350.00} to new checking account customers who made bill payments in 3 consecutive months to two different billers. Due to an error on HSBC 's part, my XXXX payment was not processed and I was advised that I could make a payment in XXXX and still qualify. After calling in XXXX, the CSR confirmed that I had met the requirements and I was told to wait 6-8 weeks from the qualifying transaction ( on XXXX XXXX ) for the bonus to post. The bonus still has not posted, and the customer service representative said they were still " working on it. ''

Company response to consumer: Closed with explanation