BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2020-10-15
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$3100.00}, CCI ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$560.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, 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 XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 an 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 2020-02-22
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/2019, I have submit online dispute on equifax.com to mention that they put other person 's credit history to mine. That guy owe money and had late payment which affect my credit score. His first name is similar to mine. 

I asked them to resolve this and have no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. 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. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXXXXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXXXXXX XXXX  has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question

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 2022-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian advertise free credit report. I signed up to get my free credit report and was later charged {$14.00}. I did not sign up for this monitoring service. I called Experian and they told me that they could not refund me after trying to sell me on the service. I had to insist that I did not sign up for this service to finally have them issue me a refund. Experian says all over the website FREE credit report. I was never aware that I signed up for credit monitoring for XXXX. This is a bad practice from Experian. I have used XXXX and XXXX for free credit report and was never placed in a monthly credit monitoring program. This practice by Experian is deceitful and harmful to consumers. I am not a rich person and check by bank statements daily. If I did not check on this bank account, I would just have paid the XXXX monthly

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 2020-11-22
Company: Chime Financial Inc
State: MN
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 called chime on XX/XX/XXXX. I told them that there were a bunch of fraudulent charges on my account. Not only did they not give my my money back but in the timeframe of the investigation they allowed another fraudulent charge to go through and allowed them to overdraft my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX, Tranunion, XXXX reporting incorrect information on my credit report. My XXXX  XXXX never been 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 2022-05-03
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I opened a letter from PNC bank that told us that our account was overdrawn and that we owed a fee. Panicked, I rushed to check our accounts and found out that the " overdrawn '' account was the " mandatory '' checking account that we didn't have money in because we used the bank just for a savings account. ( We were using simple and that got acquired by XXXX and now the accounts were being handled by PNC ). 

Upset, we tried to transfer the money to our XXXX account. No good. At the rate of transfer, it would take us several months. So we called. 

After trying to navigate a really terrible phone menu ( and having to disclose personal information several times ), we finally spoke to a person. She told us that because we had tried to pay off our fees prior to calling, that it would take several business days to close an account because they couldn't close an account when there was an active transfer. At one point, the representative even asked us for our personal information AND PASSWORDS at the bank ( XXXX ) where we wanted to wire our balance. Then she told us that we would have to accept a cashier 's check. It was a mess. 

We ended up not closing because of the " active transfer that would take several business days. '' The whole process was a waste of an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
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 an 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Theses accounts are 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original crediXXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX  XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX XXXX240.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No

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 2018-08-16
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Unable to get LEIN off an account with XXXX XXXX XXXX XXXX. I was informed that I was XXXX XXXX XXXX XXXX had merge with XXXX XXXX XXXX which was purchased by PNC Bank, I am trying to sell my XXXX XXXX Boat, VIN # XXXX however, I unable to do to the fact the neither XXXX   XXXX  XXXX, XXXX XXXX, or PNC Bank has sent me a cleared title. On XX/XX/XXXX, I went into the PNC Bank branch in XXXX, Michigan and was assisted by a customer representative XXXX who told me to go home type out a letter to the bank requesting the VEHICLE LEIN RELEASE LETTER in which I went home to type out the letter. Appearently no forms at the bank. On XX/XX/XXXX, I returned to the bank in XXXX and XXXX faxed the letter to an unknown unit or entity of PNC Bank. She would not give me a direct number to the unit but said I it might take 5 days and then it would be mailed out. She suggested that I request that the cleared title be both mailed and faxed to the bank in which I did. No tracking number or anything. Today I called XXXX who gave me the number XXXX which I called and was informed that they had nothing to do with PNC Bank. Allegedly, the letter was faxed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 non-monetary relief
Consumer complaint received 2021-03-07
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am filing a second complaint against Comenity bank. I have answered and requested multiple times that they discontinue contacting me. In addition to this, I established a time to pay my outstanding payment from last month. This date has not come to pass, and I am still being harassed multiple times daily. Today is Sunday XXXXXX/XX/2021, at XXXX, I have been called five times today by them. Twice by their corporate number and three times by an unknown and blocked number that is them as well. This is harassment, and illegal. It has begun to affect my daily life by disrupting me during work hours in important meetings. This is unacceptable, because this is my livelihood that is being jeopardized over a late payment. This is not a debt I have owed for a long time, it is only a one month missed payment due to the pandemic of COVID-19. I answered the last call today and for the fifth time on their recorded line I told them I have a payment plan set up and to not contact me. This seems to have no effect on them, as they continue to disrupt my daily life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: OR
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 writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the account : XXXX XXXX XXXX XXXX XXXX. I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation.

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