BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sir, all three credit bureaus ( XXXX, XXXX, and Transunion ) have still not updated my credit reports with accurate information I had mailed to them months ago. 

The XXXX XXXX - My spouse and I have notified all three bureaus months ago that I am no longer an authorized user, but it still shows that I am. This is my wife 's account. Please see attached documents A and urgently request that that information is removed asap. 

The XXXX XXXX XXXX- the remaining debt of {$740.00}. needs to be removed from all three credit bureaus. The account was settled. XXXX took over the debt of $ XXXX ago and hired XXXX XXXX XXXX XXXX. XXXX XXXX sent me a settlement agreement that if I make a one-time payment of {$500.00}. the remaining balance of {$740.00} would be waived or settled. See Doc. B. I made the payment, but the information still shows on my credit reports.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: IL
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:
Name : XXXX XXXX XXXX of Birth : XXXX Last XXXX Digits of Social Security # : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Bank : # XXXX and XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to formally request the removal of the extended fraud alert from my credit report. I have provided the necessary documentation, including proof of my identity, address, and social security number, for your reference.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
I've disputed with the XXXX credit bureaus incorrect historical balance/late payments on my credit reports, sent letters from the credit card company showing no late payments or over card limit yet, they continue saying information verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
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 Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$14.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXXXXXX XXXX XXXX Balance : {$13000.00}

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, Kohls made a {$2700.00} ACH transfer out of my Bank XXXX XXXX that was not authorized by me. When I called, they told me there were large charges made to my account that I did not make. I spent days calling Kohls and Bank XXXX XXXX to try to resolve this issue. Finally, on XX/XX/XXXX, a credit was made to my bank account. I am a teacher and this unauthored ACH transfer was over 60 % of my net pay. This caused significant stress to me personally. To prevent fraud on my account, I followed Kohls instructions and established a verbal code word that would be asked each and every time I called to verify it was me. In additional I validated my mailing address. Kohls completed their investigation and issued me a permanent credit of {$2700.00} due to fraud. They told me they would issue me a new credit card and mail it to me. 
On XX/XX/XXXX, I called the Kohls Customer Service number, and they did not ask me my verbal code word which was established after the fraud. I asked them if they had sent me a new card and they said yes. I asked what address they sent the card to, and they said : XXXX XXXX XXXX Unit A XXXX, FL XXXX When I found out my new card was sent to the wrong address, I requested to talk with the Fraud Department. Customer Service initially said they could provide a number but could not transfer me to Fraud. At the beginning of the call I told them I had a friend, XXXX XXXX, on the line and I authorized her to listen and ask questions. My friend, XXXX, asked for this issue to be escalated to a XXXX  and they then transferred me to the Fraud Dept. The Fraud Dept. did not ask for my verbal code which was established to prevent fraud on my account. I told them what happened and they said they would send a new card to the correct address and terminate the one sent to the wrong address. 

This issue represents a lack of controls to prevent fraud, inadequate training, and the ability of someone inside of Kohls to make unauthorized XXXX transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Owed XXXX {$2500.00} XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My license was never suspended in XX/XX/2022 I am the victim of identity fraud my ss has been stolen 5 times

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : General Dispute and Request for Thorough Investigation - XXXX XXXX, XXXX, and XXXX Accounts Dear TransUnion Consumer Relations, I am writing this letter to formally dispute the presence of certain accounts on my credit report, specifically those associated with XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX  ). 

As a responsible consumer, I have diligently reviewed my financial records and found discrepancies in the reporting of these accounts. I request that TransUnion conducts a comprehensive investigation into each of the mentioned accounts and reviews the documentation I have provided. 

The specific accounts in question are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX : I believe there are inaccuracies in the reporting of these accounts, and they may not be representative of my true financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. 

I kindly request TransUnion to thoroughly investigate each account and verify the accuracy of the reported information. During the investigation period, I expect TransUnion to mark these accounts as " In Dispute '' on my credit report, in compliance with FCRA Section 611 ( a ) ( 2 ).

If the investigation reveals any inaccuracies or discrepancies, I request that TransUnion promptly removes or corrects the disputed accounts from my credit report. This will ensure fair and accurate credit reporting and reflect my true financial standing.

I have attached relevant documentation to support my dispute, and I trust that TransUnion will handle this matter with due diligence and transparency.

Please provide written confirmation once the investigation is complete and the necessary actions have been taken to update my credit report accordingly.

Thank you for your attention to this dispute, and I anticipate a swift resolution in accordance with the FCRA guidelines. 

Sincerely, XXXX Enclosures : - Documentation supporting the dispute for XXXX XXXX, XXXX, and XXXX accounts

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2023-12-21
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
They keep attempting to charge me for a credit report plan and causing me to have overdraft fees. Ive gone to the website and there is no way to contact them other than a phone number which I havent been able to because I work or am asleep when they are available. Its impossible to log into my account and cancel the service because it takes you to a screen that says you owe money and you cant do anything unless you pay it. It gives you absolutely no option or ability to cancel the subscription. The website is Experian.com

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 2020-03-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comentity Bank is the bank for XXXX XXXX and other companies. Firstly, if you are 2 days late paying {$100.00} they call you incessantly. Every single day, multiple times a day with robocalls. There is a recording on the other end so you can not speak to an actual person. 

There is no reason to call someone multiple times a day every single day including weekends because they owe a {$60.00} payment. It is beyone abusive. 

Secondly, I get calls from them even when it is not my debt. They were doing the same thing, multiple calls in a day, every single day, sometimes calling back to back in the span of XXXX minutes. I finally got a real person on the line and they told me the pull a dragnet of numbers and hope they find a relative or neighbor that knows they people they are actually trying to collect debt from. In this case, there were 2 men, no relation to me, not my last name, not even living in my county. 

Comenity is abusive in their practices. I told them to stop calling my cell phone. I do not pick up the phone in the day because I am at work and can not. They must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached files ; I want the bureau to start investigating these accounts where I am consistently on time, yet they erroneously report me as late.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently reviewed my credit report in the month of XX/XX/2023, and noticed a lot of mistakes with the information on my report. I reached out to the credit bureau, and they did nothing to correct the misinformation that was appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Transunion XXXX  XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from 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 2020-05-04
Company: Experian Information Solutions 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:
ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX Original creditor ftc violations

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