BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
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:
Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my TransUnion credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can. Below are the fraudulent inquiries : 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 2022-10-31
Company: Experian Information Solutions Inc.
State: NH
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've been struggling with Experian since XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX and both companies reached out to all XXXX credit reporting agencies with deletion letters and police report of fraud has NOT been deleted. EXPERIAN has been refusing to mail me a copy of my report. I've sent letters requesting along with Disputes and a copy of my Driver 's license and rental lease by certified mail got the postal slip CREDIT- XXXX false it is XXXX or less as of today. XXXX XXXX XXXX XXXX- FALSE BALANCE AGAIN XXXX has not been updated since XX/XX/XXXX I've asked to please update my report aswell in my letters.. If you see FAIR PAYMENT HISTORY ( fair ) shows XXXX late payment Shows XXXX collections fraud statement.. REPORT # DATED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. But score did not change and I have a feeling experian is punishing me by fraudulently not updating refusing to give me a copy of my report so I can protect myself..Experian showing I lost points for seeking credit cards I'd like to see that proof. I been fighting for my rights to be able to protect myself and my score but how cN I if I'm been refused that right. And why hasn't Experian updated my report in XXXX years? XXXX XXXX needs updated been the same since XXXX XXXX XXXX threw XX/XX/XXXX we are going into XXXX. I have reason to believe that Experian is adding up my XXXX XXXX  payment with the " '' Deleted '' '' acct XXXX 's XXXX XXXX. Experian is sabotaging my report that's y they refusing my report. Experian is showing closed on XXXX  that acct wasn't closed I paid off that car XXXX XXXX  monthly for 2 years I get no credit for that. I will ask a special investigation can be looked into Experian

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 2023-03-16
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:
My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached XXXX data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX  account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.

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 2022-10-31
Company: EQUIFAX, INC.
State: NC
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:
This is not a duplicate, two identical bills both they see being reported differently, See if the XXXX  at equifax can figure it out Equifax and XXXX  According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was trying to set up an payment arrangement the rep that told me was the payment schedule and the amount. but i got the bill different so when i called them back they said that their maybe some extra charge after the last payment. i been asking them to sent me contact never have one. i been told totally different. they are rip off.

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 2019-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had appealed my property tax value and was expecting to receive a refund from the county tax assessor for {$1500.00} from my XXXX property taxes. However, because my property taxes were paid through my mortgage payment the county erroneously sent the refund to Wells Fargo on XX/XX/XXXX. When I requested that they put the refund in my Wells Fargo checking account, they denied my request and kept the refund as a credit towards my future property tax payments. Which were also going to be reduced and would create an excessive credit balance going forward.

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 2023-05-03
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Unable to use gift cards, in the amount of XXXX {$200.00} dollar visa prepaid gift card, XXXX {$300.00} visa prepaid gift card, and XXXX {$200.00} mastercard prepaid cards via XXXXXXXX, even after verifying and attempts to us on multiple sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
I have disputed the accuracy of an account balance with XXXX/XXXX. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX and Transunion reports. 
Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments. 

Furthermore the creditor reports " XXXX '' CHARGE-OFFS on XXXX  and Transunion. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XX/XX/2021 around XXXX XXXX I called Transunion LLC about unauthorized reporting and was wondering why I was not notified of such reporting and if they had my express permission to do such. I sat on the phone for an hour and half to dispute these items. We went over each item multiple times with multiple agents. I asked if they were verified or not. I'm aware that these certain transactions are not to be included in such consumer reporting 's under the FCRA. I'm aware that Transunion LLC did not exercised their grave responsibility and respect of my consumers right to privacy. I made aware that I did not know any of person 's listed on my consumer report nor did I received any goods or services, consumer report does not include such reports containing information solely as to transactions or experiences between the consumer and the person making the report. Most importantly I never gave Transunion LLC doing business over seas. My permission nor contract with them collecting my data and furnishing as they please without consulting me first I am not their client. Not only have Transunion LLC breached my privacy and aggravated identity theft under [ 18 U. S. Code 1028A ], which is a violation of ( 15 U.S. Code 1681b ), Also Transunion LLC is participating in fraudulent reporting 's with unverified.

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 2020-07-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX continues to report a medical collections of {$560.00} and provided the original creditor of XXXX   XXXX XXXX. I have several emails with a representative from XXXX XXXX XXXX stating that they do not have my information in their system and this debt does not belong to me. XXXX  has removed this collections account, however ; XXXX  continues to report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off <1 % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) 72 months ( 6 years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all 3 major credit report agencies XXXX. EXPERIAN. XXXX. please have this account removed and updated immediately thanks

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 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Mulitple attempts to open account online on the bank of America website. Also tried by phone and got denied with no explanation.

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 2023-10-24
Company: JPMORGAN CHASE & CO.
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:
I was notified that someone requested a Southwest credit card through Chase Bank, and it wasn't me. As soon as I found out, I notified the banks and credit bureaus. I was told that in order to get this resolved, I need to get a letter for you all and then send to the credit bureaus. Chase Bank has closed the account, and I will not be penalized for anything, but I will need this removed off of my credit ASAP. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have the POA for a friend and have been monitoring her bank statements. Over the last year there has been an auto-payment every month to Citibank. We do not know what the payments are for since she receives no statements from Citibank only notifications of the next payment due. 

We tried to access the account online, but was told that the account was locked. We then called them to unlock the account. After repeated attempts during which we were told that there was a " ghost ID, '' we were unable to have them unlock the account for us. Instead they offered to read us the charges against the account, but the line went dead and we received no further information. 

We are afraid the card has been stolen and the charges are fraudulent, but Citibank does not care.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: MI
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 XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-01-27
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies.

I have reached out to each agency individually to get this erroneous account removed with no resolve.

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported.

15 US Code 1681 b Permissible Purpose a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit. 

It is Open on XXXX, Closed on XXXX and OPEN and CLOSED on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed AMERICAN EXPRESS ( AMEX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by AMERICAN EXPRESS ( AMEX ) on XX/XX/2018. I have not informed or recalled of any association with these company. I have contacted AMEX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
inaccurate information was reported to XXXX, XXXX and Experian, XXXX XXXX XXXX reported late payment, wrong information was reported

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed a dispute with XXXX and Transunion on XX/XX/2023 about XXXX XXXX XXXX collections account that was opened on my credit report XX/XX/2023 stating i owe {$790.00}. A dispute was filed because I have no knowledge of this account. XXXX and Transunion marked the account as accurate and verified and closed my dispute. I have thoroughly reviewed my credit history and financial records, and no evidence of this account 's existence or any related transactions have been found. They did not provide me with written verification and validation of this debt that they claiming to be mine. I am eager to resolve this matter promptly.

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 2023-01-18
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation