BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I would like XXXX to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX XX/XX/2018  and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
XXXX, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Correct name and address that should be reported. Remove all names and old addresses from credit report. One name a d one address should be reported. Enclosed be find a copy from secretary of state with Correct name and address

Company response to consumer: In progress
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX, Transunion, XXXX and XXXX have received documents as required by the fair credit reporting act that state I am a victim of identity theft, they have been sent to them for over 1 year, my credit score fell from XXXX to XXXX because XXXX XXXX, Transunion, XXXX and XXXX refuse to adhere to the fair credit act laws, I am unable to find a place to live and now forced to be homeless due to XXXX XXXX  Transunion, XXXX and XXXX, I am not qualified to receive any assistance at all over a matter that I was and am a victim of. 

All four corporations named XXXX XXXX, Transunion, XXXX and XXXX have violated my civil rights and fair credit law. I'm sending the information in for the 25th time and each time I have documented and saved each report filed, this has been going on for one year, I do not owe XXXX XXXX any money whatsoever, I did no just jump up and use {$5000.00} in credit, it makes no sense at all. 

XXXX XXXX, Transunion, XXXX and XXXX have forced me into homelessness

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: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX at Continental Credit Control ( CA license # XXXX ) made deliberately false representation as to the dates I was sent invoices from the creditor to make me believe as if I had missed years worth of statements. I then called the creditor directly, and they confirmed the first bill was only sent 2 years after the date mentioned by XXXX ( and only 3 in total, contrary to what XXXX said to me ). This deceptive practice is completely illegal and irresponsible and this individual should be stripped of any license to work at a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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:
A charged off XXXX XXXX account is reporting my credit report that never belonged to me due to Identity Theft. The amount is {$250.00}. I don't let accounts go unpaid, I can spend {$250.00} on a dinner, so if it was mines I would've just paid it no problem. My credit has no unpaid accounts. This account is fraudulent and needs to be removed immediately from my credit report. 

I Have Never Lived At The Address Associated With This Account. The service address is stated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I have never lived there ever, and I didn't start this account. My wife actually has been taking care of this utility service for our residence during the dates of this fraudulent account service at this false address so I wouldn't have needed this service to begin with. We had gas service at our real address during this same timeframe under her name. We never even lived in the county of this address during the dates of this service. 

This matter was not properly investigated by this bureau. By the Fair Credit Reporting Act, this account needs to be removed. It is both false and inaccurate. My rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These accounts have incorrect information with late payments, please verify XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-12-11
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: Information belongs to someone else

Complaint:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

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 explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: FL
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 belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
On XX/XX/XXXX, Wells Fargo Bank reported my Wells Fargo Credit Card as being " 30-days late. '' Beginning as early as XX/XX/XXXX, I sent Wells Fargo information that said, paraphrasing, the following : " a ) that On XX/XX/XXXX, I spoke with a representative from Wells Fargo about my account and due date. 
b ) that She informed me that my account was not late ; c ) that my next due date was not until XX/XX/XXXX ; and d ) that my payment would be late ( not thirty-days late ) starting only XX/XX/XXXX. 

Because of this XX/XX/XXXX, I was not made aware in advance by Wells Fargo of any late payment. '' Up until late XX/XX/XXXX, each of Wells Fargo 's reply letters said the following two items, again paraphrasing : 1 ) Weve completed our research and are ready to share our findings. 
2 ) Wells Fargo is required to report factual and accurate information to the credit bureaus under the Fair Credit Reporting Act ( FCRA. ) I have made REPEATED request for Wells Fargo to confirm and to acknowledge the XX/XX/XXXX telephone call that I had with a Wells Fargo Representative. 

On XX/XX/XXXX. They replied via letter and informed me, again paraphrasing, that they have no record of the call. 

Importantly, they state in their XX/XX/XXXX letter that each telephone call " may '' be monitored ; but they state that it does not mean that each call is for sure monitored. 

Because they have no recording of the call, they assert, wrongfully, that the call did not take place. And further, that they can not remove the 30-day late. 

Their XX/XX/XXXX letter is not a flat denial of my assertion that the XX/XX/XXXX took place. Rather, they state they have no record of it. 

It is a non-denial, denial of my fact. 

This is impossible for me to prove. 

yet, I have provided explicit details of the call, included many points of the conversation. 

And I hereby assert and affirm that this XX/XX/XXXX call took place. And at this time, I was not advised or warned or provided advanced notice that my account was in jeopardy of being 30-days late. It is a requirement of the Fair Credit Reporting Act that the lender and/or bank must inform the customer of any late payment ; especially if one is about to be 30-days late. This did not occur on XX/XX/XXXX, nor any time prior to XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act. 



Regards, - 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 2022-03-24
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Their investigation did not fix an error on your report

Complaint:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2023-11-08
Company: Chime Financial Inc
State: NY
Product: Credit 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:
In XXXX of 2023 I placed a deposit for a cosmetic procedure with XXXX. I was told by my physician not to follow through with the procedure because it could result in death/severe injuries. The same day, due to this fact, I requested my refundable deposit back to my CHIME Visa Credit Account which was drawn from my CHIME Checking Account. XXXX refused to refund my account and I later received a call from their corporate office after I made complaints on my popular social media platforms. 

The CHIME VISA Credit dispute was resolved in my favor on XX/XX/2023 with {$1000.00} alleged to be sent back to my CHIME CHECKING ACCOUNT. Chime repeatedly lied and told me the funds were mailed to my address on file and that a password reset link was sent to my email in file so that I could enter my account to access my funds. 

Thirty emails later as well as countless phone calls to Chime have led to the worst customer service, lies and over all refusing of Chime to allow me to access my hard earned funds. 

I suspect racial and ethnic discrimination on Chimes part because the service became worse after I sent copies of my photo ID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute the presence of certain items on my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : XXXX Account Number: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 2023-10-12
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:
I pay off my car loan of XXXX $ and the credit score have dropped XXXX points.

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