BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXXl ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by XXXX, XXXX, and TransUnion for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by XXXX, XXXX, and TransUnion, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my XXXX, XXXX, and TransUnion credit reports. 

Thank you. 

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 2023-03-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Account was opened fraudulently, company was noticed of this over 2 years ago and still has not received from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Numerous reports of delinquencies on my credit report for my XXXX XXXX XXXX lease through XXXX  finance. XXXX did an investigation and identified they made mistakes and reversed the 6 months delinquent reporting. Now, two months later the delinquent reporting has come back with new dates reporting XXXX and XX/XX/XXXX past due XXXX days. 

Calls to XXXX confirm no balance is or has been past due. 

My credit report is severely tarnished once again and has caused tremendous issues with bank loans and home refinance. 

XXXX has been extremely difficult to work with. Im unable to get phone support and agents once again say there isnt a problem. My credit report says otherwise. This has been ongoing over XXXX year.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: IL
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:
All of my educational loans have been forgiven/discharged but the credit bureaus still list XXXX them on my report as unpaid. 
I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please 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 2023-05-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a check placed in to a chase checking account chased put a hold on that check due to it being a business check chase then cleared the check and the checking account was closed about two weeks after that chase has been holding on to the money since. The check is in suspense. There have been serval attempts to recover the funds from chase bank. By myself and the originator of of the check The check was written XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Incorrect information listed on my account. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX D.O.B XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX PA XXXX Dear Transunion, after receiving a copy of my credit report, I observed several errors and demand deletions of the accounts mentioned below. 


XXXX XXXX card service. Account number XXXX This account MUST NOT be on my credit report because it is a charge off account and is considered income earned. 
DELETE this account. 


XXXX XXXX dealer services Account number XXXX. 
This account MUST NOT be on my credit report because it is a charge off account, and I considered income earned. 
DELETE this account. 

XXXX XXXX account number XXXX I I need an investigation done on this account. I have no knowledge of this account and need proof with all documentation that includes a contract bearing my signature with this company and need the results including the method of verification used in this investigation mailed to me at the address shown above. if not DELETE this account. 

XXXX XXXX XXXX XXXX XXXX This account was involved in litigation! 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists! 
DELETE this account. 

Yours truly, 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 2021-09-08
Company: Square Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX I received a card from Cash App which I had never requested sent to my previous address and forwarded to my current address by the USPS. I have no relationship with Cash App. I contacted them via phone. The first representative refused to assist me and tried to direct me to open an account with Cash App to be able to close the fraudulently opened account. The second representative said they could not close the account opened in my name and that the only way to prevent my information from being used to open a Cash App account was to open a Cash App account myself. On XX/XX/XXXX I attempted to contact the company again and made them aware of complaints submitted to the FTC and the Federal Reserve around their practices. The representative tried to direct me to give my email and set up an account with Cash App to close the fraudulently opened account. I told the representative that I was going to be submitting a dispute letter generated via the FTC 's Identity Theft services and the representative declined to further assist me over the phone. I have submitted a police report and will be submitting a written complaint using the FTC 's Identity Theft resources shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed an original complaint against CREDIT ACCEPTANCE and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by XXXX XXXX XXXX in XXXX Tennessee  Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency XXXX XXXX XXXX that I don't have a contract with and the " Law '' representative won't speak to me or contact me to discuss this illegal process. I have reached out to them and no response on several attempts.

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 2020-08-06
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 notice that a account that i never opened by me was listed on my credit report i need it to be removed because its not 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
Consumer complaint received 2020-08-06
Company: Experian Information Solutions 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXXNELNET XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX  XXXX {$1500.00}

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 2023-03-03
Company: Experian Information Solutions Inc.
State: IN
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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this 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 explanation
Consumer complaint received 2023-05-26
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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}

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 2023-09-29
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2023 I sent out an Investigation Request Letter to TRANSUNION CONSUMER SOLUTIONS by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named XXXX XXXX XXXX I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted.

I was never provided any original documentation to the validity of the Lates on the two XXXX Accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: TN
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 do not owe XXXX University or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me 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 2023-02-17
Company: EQUIFAX, INC.
State: MD
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 : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX All the above has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a few dispute letters to the major bureaus requesting verification and they have not sent me any mail back responding to my request

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 2018-06-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018, I signed up via phone for the XXXX XXXX XXXX XXXX XXXX XXXX credit card, it came with a signup bonus of XXXX points after spending {$3000.00} within 3 months. I met the spending requirement within the 3 month time period, however when I called in after the 3 month period I was told that the offer of XXXX points was removed from my account. I was told by the representative that on XX/XX/XXXX Wells Fargo re-did their reward program and that the bonus promotion was removed from my account and replaced with a 3x points promotion on future spending and that I would not receive the bonus points that were offered when I signed up for the card. I requested a supervisor and requested a case be opened, but was told there was nothing they could do to help me further as the bonus I was offered when I signed up for the card was no longer in their systems..

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