BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/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 2019-09-13
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Equifax has my name sabotaged. They are having everything I apply for denied. Stating delinquency credit card balance too high late. But I dispute them for letting my information. Get hacked in the data breach, they are doing nothing. I have recieved a Letter from them Stating I have no credit e file I have not use any credit in 10 years and trying to make it look. Like Im XXXX. So I applied for a small loan that same day it was denied with information form Equifax. But they just wrote me starting I have no credit file and no history with them. This is a disgrace I am being blocked from credit by Equifax but they never protected my Information and let an unknown data breach occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus XXXX, Experian, and XXXX have these codes. I have requested through Experian, XXXX, and XXXX but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23

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 2021-07-19
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-25
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$66.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX  Balance : {$66.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-07-16
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a payment on my XXXX store card for {$35.00} but the company then took XXXX from my checking account instead. 

I have been making payments on this card for over a year and I am very familiar with the interface. This was a mistake on their end. 

I called and spoke to a supervisor XXXX ( ID : XXXX ) who informed me that they can not send a refund check until XX/XX/XXXX! Meanwhile my checking account is overdrawn and bills will not be paid.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )

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 2023-04-10
Company: CHALLENGE FINANCIAL SERVICES
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: Account information incorrect

Complaint:
Incorrect amount owed High balance was XXXX after disputing this because this vehicle was sold with permission of finance company The new owner didnt keep there obligation to the finance company I did not agree to stay on this loan every time I tried to resolve this issue they charged me additional money the last payment that was made on this vehicle was made on XX/XX/XXXX they have since my multiple disputes they have from may of XXXX until XX/XX/XXXX change my credit file to 180 days late and fraudulently claim the balance owed is XXXX the actual balanced owed was XXXX this was done in retaliation to my multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-07-26
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX for all poor Americans. XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Every single businesses and employment facilities as well as consumer agencies when providing employment references and credit line to us Americans. As they happen to judgment of our credit score and our credibility putting all American at great risk. We loose employment opportunities as we also get the turn down of credit line. This longterm unemployment and loss of credibilities of poor people have put us at the very low bottom of society. All business and consumers need to notified by your agency- not to destroy down slowly yet financially circumstance of all Americans as majority of poor public. This is concerning when they docket us down on our credit score and lead us out of the doorway. As for instance my credit score is XXXX, yet at the scale and realm of every other consumer my credit is at XXXX score average. I have send a complaint before, but I didn't receive any responses as what had done about the problem. Contact me either with the mail, or, an email should be sufficient to follow-up about all the matters related. 

We as poor public who happen to pay higher at the end of all transactions. Perhaps if I could have your attention in notifying of all businesses and banks retrieving credit files of potential customers to them- tell of them not to judge of our credibility & trust as one people in that manner they have been doing so far along 28 years. 


Respectfully, XXXX XXXX '' A women lady 's baby women ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On or about the XXXX of XXXX, my d debit card was stolen, and a {$60.00} purchase was made at a XXXX service station on XXXX. Probably a youngster because who else makes groceries at a service station. But anyway, a {$60.00} credit was added to my new card on the XXXX of XXXX, then it was taken off. Then on the XXXX. You'll see that they gave it back to me. Turned right back around on the XXXX and took it out. Things ran smoothly for a while then on the XXXX of XXXX. Oh my XXXX! {$300.00} in {$60.00} increments, came out of my account and began to be deposited on to all of the cards that I no longer use! Leaving me at a negative balance of {$53.00}. And my account had never been negative before! Sir or madam. I JUST WANT MY MONEY BACK INTO MY ACCOUNT! Thank you and have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Jim Bottin Enterprises, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX ran by ABC Fitness Solutions , LLC. Their website is www.myiclubonline.com. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Everyone Fitness XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear ABC Fitness Solutions XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX. 
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal. 
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further. 

I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to XXXX XXXX XXXX and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: CA
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 was out of town from XX/XX/2023 I was XXXX XXXX. During that time, my card was being used in XXXX XXXX/ Multiple transactions were made on my credit card. I notified Citibank immediatel when I discovered the fraudulent charges. Citibank is saying that they were made with the physical card and can't credit me back for the charges. ( which total around XXXX ) I then send them vial email my flight itinerary and purchases I made in XXXX  showing them I was out of town and couldn't possibly make these charges. They credited me back for one of the charges..only totaling {$8.00} made at XXXX 's in XXXX XXXX during the week I was out of town. When I asked them why I was credited back and not for the other purchases ... they had no response. Additionally, these are places or places that I haven't been to or haven been in years. I then asked them to compare my signature with the ones made with these purchases ... they would not provide. I have proved proof that I wasn't even in town, yet they can't give me a valid reason for my claims being denied.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from XXXX  and Transunion on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ).

Thank you.

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