BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-01
Company: EQUIFAX, INC.
State: MA
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:
To XXXX, Equifax, and XXXX. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX ) while others have not since updated that original XXXX credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a personal and joint Online Savings Account ( OSA ) at Marcus by Goldman Sachs. The joint account was funded by electronic transfer in the following amounts XXXX account XX/XX/XXXX - {$1.00} XX/XX/XXXX - {$99000.00} XX/XX/XXXX - {$120000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - ( {$150000.00} transferred to personal account ) XX/XX/XXXX - {$120000.00} ( deposit from co-tennant ) On XX/XX/XXXX, I attempted a transfer to an external linked account at a third bank and the transfer was flagged for a " fraud '' audit. I was able to quickly call in and confirm the transfer and my account was unlocked. However, my co-tennant was not able to unlock her account after many attempts. She has even mailed in a notarized " affidavit of identity '' ( AOI ) as per request of the bank fraud department on XX/XX/XXXX. But 18 days later, they still show no receipt of the AOI. 

Currently, the principal balance in the joint account is {$250000.00}, plus interest paid. I have had no access to these funds for over 30 days. 

I asked the bank to return the funds in the joint account to the FUNDING account ( s ) until the account lock issue has been resolved, but they responded that this was not an option for " fraud '' reasons. This seems ridiculous because the funds are being returned to the funding account, whose provenence is known. The customer service team refused to escalate the issue beyond a first level manager to resolve this problem. They also refuse to accept electronic or photo versions of the notarized AOI to expedite the account verification process. 

There seems to be a business process issue in the way the Fraud department at Marcus by Goldman Sachs manages custody of funds received. Their account verification process relies only on delivered mail and they refuse to acknowlege that this is unreliable or that their mail processing team could have made a mistake. Additionally, the customer service team refuses to allow me to speak directly to the account verification team by phone. 

I can not believe that it is legal for them to freeze my deposits under a pretense of fraud for an indefinite period of time. At the very least, I should be allowed to return funds to the funding account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
By at least XX/XX/2023 I had become aware that I could log on to my TransUnion user account, but could not view my credit report nor file a dispute. In addition to being unable to view my credit report directly from TransUnion, an error also occurs when requesting my TransUnion credit report through annualcreditreport.com. I began to contact TransUnion support by phone to try to resolve this issue beginning XX/XX/2023. I called again XX/XX/2023 as well as communicated with them via live chat online. As a result of the failed efforts to troubleshoot the problem during the chat, I was told my issue was being escalated to their specialist team and that they would reach out to me either by email or phone in 3 to 5 business days. To this day, no specialist team from TransUnion has attempted to reach out to me. On XX/XX/2023, I called again and used their text message support called TransUnion messaging. The messaging conversation was not helpful and was ended prematurely by the support side when I was unable to provide my response fast enough.

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 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 certified letters to XXXX, XXXX  and Transunion on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND 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 2023-04-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Despite my never once being 30-days late, my exorbitant interest rate has made paying this credit card in full completely impossible. 

I previously disputed the charge below as the first set of eyeglasses that I received were damaged. While the company did replace the damaged eyeglasses, they replaced them with a pair in which the bifocal prescription is defective. While I can not see out of these brand-new glasses and they are of no use to me because I can not see to read out of them, Chase has rebilled my initial credit from my dispute of the original damaged eyeglasses and Chase representatives have repeatedly refused to place a new dispute on the defective replacement pair. 

{$180.00} Transaction date XX/XX/XXXX Posted date XX/XX/XXXX Merchant info XXXX XXXX XXXX XXXX 
Description XXXX XXXX XXXX XXXX. 
Also known as XXXX XXXX Merchant type XXXX  Method Online, mail or phone Card number ( ... XXXX ) Category Health & wellness Worst of all, representatives of this bank have repeatedly promised authorized XXXX XXXX relief and to date, no such relief has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report 2. there is some inaccurate information reporting. 
DEPTEDXXXX  Account XXXX : XXXX Please remove this inaccurate student loan from my report 3. The following status is Incorrect and unverifiable DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report 4. there is some inaccurate information reporting. 
DEPTEDXXXX  Account XXXX : XXXX Please remove this inaccurate student loan from my report 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
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: 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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  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 2023-10-03
Company: WELLS FARGO & COMPANY
State: MI
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:
There is a field credit inquiries what should I be on my credit report? I do not recognize the high need them to be removed as soon as possible

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 2023-05-09
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Sallie Mae is keep raising my payments even with my paying them offf they keep going up another {$1000.00} I find this unfair and not very professional I been having problems with this company for the past 2 years now, I am out of college and sallie Mae and bringing me into debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/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 2023-03-29
Company: EQUIFAX, INC.
State: OH
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:
No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 6 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXXXXXX XXXX  XXXX is showing ACCXXXX # XXXX from XXXX XXXX XXXXXXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

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 2023-10-30
Company: Experian Information Solutions Inc.
State: MO
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:
All three reports- XXXX, XXXX, and Experian- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The Experian report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.

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