BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2018, {$21.00} was charged on my credit card. I was interested in looking for a free credit score and found TransUnion advertising one free credit score. I signed up and gave my credit card info thinking it was for credit score report purposes since there was nothing saying that I would be charged. I was doing all of this on my  phone. I did not realize I was charged until my credit card company ( XXXX ) notified me via text. I immediately searched up why I was being charged and also got an email saying I had purchase a subscription which I clearly didn't. I immediately tried to cancel it. I also called TransUnion who refused to help me saying that I bought a service. I opened a dispute with my credit card company. 

They refused to refund me even though their service was falsely advertised as free. I've since cancelled my subscription but they would not delete my information. As you can see, https : //www.transunion.com/XXXX at the top it offers a free credit score. When I was signing up, there was no page that said I would be charged. I

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 2023-01-14
Company: Experian Information Solutions Inc.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-11
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX I transferred my cell phone services from XXXX to XXXX XXXX. To do so there had to be existing debt owed on current service of which I had none. 

Subsequently I have received numerous collection notices appear on my credit report and of which all were resolved and withdrawn, The latest being as early as XXXX of which it was withdrawn. 

Now, on XX/XX/XXXX I received a new collection notice from a new agency called JEFFERSON CAPITAL, LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone number XXXX. Debt description : XXXX. ACCOUNT # : : XXXX ; JCS REFERENCE # : XXXX AND AMOUNT OF DEBT : XXXX. 

I disputed the debt through the company on or about XX/XX/XXXX and received a response back mail dated XX/XX/XXXX that I stated more information was need and I responded by phone and was told that I needed to obtained documents from XXXX. In addition to the correspondence of XX/XX/XXXX then received another correspondence dated XX/XX/XXXX that stated that I had 30 days to prove the debt was not mine. 

I went to the XXXX Corporate store and was unable to obtain any records to validate my dispute, The store manager then contacted the XXXX management and I we were unable to obtained any records of existing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people will not stop calling my work number. I do not owe a debt to these people and they are harassing me daily. I have filed a complaint with the XXXX. Again, this is my work number and I do not want calls from fake companies that don't identify themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$990.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}

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 2022-04-12
Company: EQUIFAX, INC.
State: LA
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:
On my XXXX XXXX phone all XXXX credit reporting company 's login and passwords all taken off screen. Login will not work i have all XXXX with a security freeze. Sense a year ago there should be no activity on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had Amazon orders, not getting approved, that I submitted on my Amazon XXXX Chase VISA credit card. I Called Chase and was told it was a address problem, that Amazon wasn't using an accepted address by Chase. I verified and made sure Chase had my new address, which now, matched Amazon 's. Problem solved, not. No order approval. Called Chase again, now told my account balance exceeded my credit line, {$2800.00} balance and {$2400.00} credit line. I make a phone payment of {$2500.00}, but hours later my bank balance reveals, payment not made. Call Chase, they say a special team, needs to handle this large payment and that is five days away. I protest long and hard calling the situation ridiculous. Call Amazon, tell them, the same and Chase is not doing it's job. Hours later my bank balance reflects payment made. I figure matter closed, not. Chase now says, they will sit on my money, until the XXXX, for some verification process. Again, I call, this ridiculous. To no avail Chase says money in limbo, until the XXXX. I add no interest for held payment,, too. I made a good faith payment, expecting, it to be applied to my account, free up credit line and get orders approved, I get nothing but delays. I am just asking, for Chase to do the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXXXXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.

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 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
My XXXX credit report shows that I have a hard inquiry on my account. I have notified CapitalOne Bank which reported the incident as fraud. Also, the other day I contacted them again and my situation wasn't active anymore. I didn`t have my ss number linked to them anymore. So, I was wondering if I could get it removed, if possible, I've done my diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not minded accounts. No knowledge account. 



DEPT OF ED / XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

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 2022-11-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. These recent inquires are not me nor are they tied to any accounts 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 explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: WA
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:
It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-07-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about the XXXX of this year, I closed a blue cash card with American Express, after calling and asking them what the payoff is. 
In XX/XX/2019, I received a notice that American Express reported me to XXXX, XXXX, and XXXX for non payment. I called American Express and discovered that they had reported me for {$4.00}, however, they stated that they showed I had paid it and not to worry about it. 
Last week, I received notice from all three companies that I was AGAIN being reported for non-payment of the {$4.00}. I called American Express and AGAIN they told me not to worry about it, that they had taken care of it. 
On XX/XX/2019, I received a bill from American Express for {$4.00}. I decided I would just go ahead and pay them again, however they did not give me an account number. They only gave me the last few digits. Accot. ending in XXXX. The rep said she could not accept payment because the account was closed and in good standing. 
I immediately filed a dispute with XXXX, XXXX, and XXXX. XXXX sent me an email atating they had made a decision. When I tried to get the results on line, I was unable to get them, so I called. The XXXX  rep and her supervisor, refused to give me the results because when they asked their so called, " security questions '', they asked if I had a mortgage ... I do not. My house was paid off years ago, they were dissatisfied with my response and REFUSED to tell me the results of the dispute. They stated if I wanted to know, I would need to write XXXX. XXXX   has only given me 30 days to respond to them ... the time it would take for me to hand write them and for them to give me a response, will far exceed this time limit. 

Can you help me, please??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CB Indigo on 2 different occasions has posted a hard inquiry to my name and credit reports that I did not apply nor complete an application for. I have contacted them twice on XX/XX/XXXX and today, XX/XX/XXXX. They have not removed these hard inquires and are continuing to allow someone to file online applications knowing full well that this is someone trying to steal my identity. This company has done nothing to assist in removing or blocking these actions, and refused to provide me a number to their Fraud department to resolve this issue. This is a fraudulent company that needs to be fined and put out of business. 

CB Indigo inquires on XX/XX/XXXX and XX/XX/XXXX Institution Information CB INDIGO XXXX XXXX XXXX XXXXXXXX, OR XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report I do not recognize

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 2023-06-27
Company: Experian Information Solutions Inc.
State: WI
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:
While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, to produce a contract between you and I, Consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have within 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

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 2022-04-21
Company: Associated Credit Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect on a debt i do not owe and also i dont have a written agreement with them stating i will pay them. XXXX  never loaned me anything. Also this company is violating Federal law by violating 15 USC 1692C ( a ) i never gave them consent to contact me, also 15 USC 1692b ( b ) stating that the consumer owes a debt, 15 USC 1692d ( 2 ) by using obscene language towards me and 15 USC 1692e ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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

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