BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: LA
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:
Through my bank, XXXX XXXX there is a creditwise feature where you can check your credit score. While checking my score I got an alert from Experian that an address was associated with my SSN. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX I do not know this address but apparently they are using my SSN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
WESTERN UNION SENT A LETTER DATED XXXX2017. THE ADDRESS AND NAME TO ME XXXX XXXX XXXX   AND TO XXXX XXXX XXXX STATING CONFUSION.

WESTERN UNION IS IN VIOLATION OF THE DODD-FRAN A CT.

SEE ATTACHED LETTER. REFXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Sequium Asset Solutions, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently victimized by identity theft and this last account that is still reporting on my credit is a result of the same crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FIN XXXX -- -- XXXX -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX -Equifax -- -- - XXXX XXXX XXXX  XXXX XXXXXXXX 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 2022-04-12
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: Information belongs to someone else

Complaint:
The law 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the 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 2019-10-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a statement from Pay Pal Credit last month ( XX/XX/XXXX) telling me that my account was past due. I do not have/have never had an account with this company and I most certainly have not made any debts with the company. At that time I tried to contact the company, but the first thing that they asked for was my social security number. That convinced me that this was a scam. I could not make human contact, only recordings. I have received a statement ( this month which is XX/XX/XXXX ) with an account summary which gives a previous balance of {$1300.00} ; zero payments & credits ; $ XXXX fees ; interest- {$9.00} ; new balance- {$1400.00}. On the payment information side- New balance {$1400.00} ; amount past due ( in red ) {$73.00} ; minimum payment due- {$130.00} ; date due XX/XX/19 ; amount to avoid standard and deferred interest on your next statement {$470.00}. I had not heard of this company until last month. There is nothing in either letter that says what I have purchased and the cost of the item. It just gives an arbitrary amount that I owe and should pay. This is not the way that legitimate companies operate. I have not purchased, or borrowed anything/amount from this company. I am not the only person with my name in GA.

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 2024-01-02
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:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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: NY
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:
The law 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-06
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Citibank and enrolled in a promotion offer to obtain a cash bonus of {$1000.00} with {$75000.00} deposited. I received the email confirming my enrollment on XX/XX/XXXX, but after the specified time period I did not receive the cash bonus. 

After contacting customer service over several months, I was repeatedly told that there did not seem to be an issue with the promotion bonus and I would receive it shortly. However, I recently received a letter in the mail, dated XXXX, that the promotion was not offered in conjunction with the account that I opened. This is contradictory to the original email I received stating that I was enrolled in the promotion offer.

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 2019-10-18
Company: Experian Information Solutions Inc.
State: OH
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 filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX  CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH 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 2022-12-30
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX is reporting to experian, XXXX, and XXXX in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of experian is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of XXXX  is {$1300.00}. The High balance of XXXX is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this 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 2020-03-27
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have an {$11000.00} purchase I made using a 0 % balance transfer offer that expires this XXXX on XX/XX/XXXX. I just made a balance transfer payoff from another credit card company of {$11000.00} and an additional payment of {$640.00} XXXX beyond the minimum monthly payment of {$220.00} XXXX for a total of the original charge of {$11000.00}. 

I emailed customer service in advance and requested that these payments be applied to the expiring APR. Customer service replied that they would first apply any payments beyond the minimum payment due to any balance that isn't on a promo ( but I don't have any such balance ) and then they would apply it, at their discretion, anywhere they like, which " may '' result in paying off the balance that is due to expire in XXXX, not this XXXX! 

The credit card statement that shows the monthly payments does not show to what balance the {$250.00} I've been paying per month for the last year has been applied to. Nor does the fine print on the credit card statement detail how promotional APR balances are paid down from monthly or additional payments. 

As the consumer, I should certainly be able to request the expiring APR balance be paid with the 2 payments I just made and they are telling me " it's at their discretion '' ( I have attached a screenshot of their reply from customer service stating this ). 

This is taking advantage of me as a consumer to not be allowed to pay off an expiring promotional balance. And their policy of applying payments to any balance they like " at their discretion '' is not on their credit card statement either. I need help with this. 

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy showing on credit report that does not belong to me. This was reported several times to XXXX and TransUnion, XXXX This account does not belong to me

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2020-03-27
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$0.00}

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH 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 2023-06-26
Company: Diversified Adjustment Service, 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:
My name is XXXX XXXX XXXX XXXX. I have attached a copy of my cease and desist notice to DIVERSIFIED ADJUSTMENT regarding the collection of an alleged debt and reporting to my consumer credit profile. I demand you respond to my letter with all of the requested information or delete this account from my consumer report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have reviewed my report and found unauthorized accounts being reported to my account. I am a victim of identity theft, I did not open these 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 explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am complaining because of XXXX  allowing fraudulent information to be reported on my credit profile. I am a victim of Identity Theft and I would like to have the fraudulent accounts removed from my profile.

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 2022-04-12
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:
This is a followup complaint due to my first complaint being returned as fraudulent. I am the sole person completing this complaint without the help of another party. I take my credit file very serious and I know that the credit reporting agencies are committing fraud against me. It is either the XXXX or Transunion or the companies that pay them to report invalid and incorrect information on my report. Pursuant 15 USC 1681 ( a ) ( 1 ) Congress states that the banking system is dependent upon my credit file to be fair and accurate. The listed items I have continued to have the credit report agencies correct have fallen on death ears and blind eyes. I am giving my written instruction now and demand that the following be removed from my credit report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( misspelling of my name ), Chapter XXXX Bankruptcy XXXX and XXXX ( this is NOT MINE ), XXXX XXXX and XXXXXXXX XXXX XXXX ( this is NOT mine ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( misspelling of my name )

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 2020-11-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX  to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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