BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not try to get a car loan and I have several new inquires for auto financing. I called the credit companies and have had no success getting them removed. 
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 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 2019-11-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/2019 A fraudulent Bankruptcy that I have no knowledge of was reported on my Experian Report. I have filed a police report in regards to this and the bureau is reporting the info as accurate.

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 2023-08-28
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:
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 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-01-08
Company: TRUIST FINANCIAL CORPORATION
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX companies filed hard credit reports on my credit report that I did not make. 

XXXX. Regional XXXX on XX/XX/2023 filed a XXXX  credit when it should have been a hard credit. I would like this to be investigated. Phone XXXX XXXX or XXXX XXXX. XXXX XXXX XXXX on XX/XX/2023 filed a XXXX  credit when it should have been a XXXX  credit. I would like this to be investigated. Phone # XXXX. 

I have tried to call and get this fixed, but I can't get anyone on the phone. Thank you XXXX XXXX Phone 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 explanation
Consumer complaint received 2022-03-04
Company: Credit Control, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted via mail by Credit Control LLC XX/XX/2021 for payment of an alleged debt. I immediately responded via certified mail asking for them to validate the debt not just by the collection agency standards but in accordance with the FCRA, section 609 ( a ) ( 1 ) ( A ) original documentation & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and 611 ( 5 ) ( A ) they were required to promptly delete all information which can not be verified and they have failed to do so properly but refuse to remove the debt from my credit report, which is illegal and a form of defamation. I've sent them several letters since then asking for proper validation and they only responded once saying the same thing they said in the first letter and sending me blank pages. It has been over 90 days since they have responded to me and according to the FCRA they have 30 days to validate my debt. I never signed any contracts and this is a direct violation of my rights! They have ignored my cease and desist and have demonstrated negligent noncompliance and committed several other FDCPA violations. I've also requested Proof of their right to own/collect this debt, license proof to collect debt in my state, verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor and a printed list guidelines to the FDCPA 15 U.S.C 1692. They have yet to respond to me. I've sent letters every month since XX/XX/2021 and the last letter I received from them was dated XXXX XXXX, they have yet to properly validate the debt or to even respond to me which is technically omission by silence.

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 2022-06-18
Company: JPMORGAN CHASE & CO.
State: HI
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 rewards from credit card

Complaint:
I made a number of purchases through the Shop Through Chase portal that I haven't received credit for on my Chase Freedom Unlimited credit card.. 

I called in midXX/XX/XXXX, received an unsatisfactory response via post office mail about a week and a half later, and have subsequently sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX providing evidence of my clicks, receipts, my charge history, my Shop Through Chase click history, my order confirmations, and explanations. Chase has provided little to no response and no effort to resolve the situation except to tell me that they see my clicks through the portal. They also only respond once every three - five days because my replies need to be forwarded to the correct department before I get a response. 

I've also provided them a systemic issue- I had all of my clicks registered for purchases prior to XXXX, and once I moved to Hawaii, none of my clicks counted anymore. There's been no effort to resolve this issue. 

I have provided exact timestamps of my purchase receipts ( which I am sure are only a couple of minutes after the time of the click on my Shop Through Chase portal ) and while Chase has not yet provided a time for my click, I think it would show that the purchase happened a couple of minutes after the clicks, and it would be clear. Chase also has the time that the pending charge has hit the credit card, which should closely correspond to the time of the clicks. 

Chase acknowledges that I made the purchase on the correct credit card, acknowledges the click, and yet does not acknowledge that I should receive credit for the click even though I followed all the conditions for receiving rewards through the Shop Through Chase portal. 

I did not receive credit for these purchases on these dates : Click history : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 's XX/XX/2022 They are associated with these transactions on my credit card ending in XXXX : XX/XX/2022 XXXX {$810.00} XX/XX/2022 THE XXXX XXXX # XXXX {$82.00} XX/XX/2022 THE XXXX XXXX # XXXX {$38.00} XXXX XXXX, 2022 THE XXXX XXXX # XXXX {$320.00} XXXX XXXX, 2022 XX/XX/XXXX# XXXX {$54.00} Because I am confident this is a systemic issue, I have also offered to replicate the issue for them - I am confident I can make a click through their portal, make a purchase, and not receive credit for it. Chase has not responded to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has false, unverified missed payments on my credit report that's dated XX/XX/2018 AND XX/XX/2018 that I am unaware of. I am requesting accuracy of these missed payments, and contract agreement, exc of this account that is due to me under the fair credit act, as I am entitled to me as an consumer. Please provide me with this information 15 days of receiving this complaint or delete this account 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 2022-01-06
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX XXXX and XXXX received phone call ( recording ) about 2nd attempt to serve documents. First attempt was supposedly a letter that never received. Told me for a US BANK ACCOUNT from 2005 and that would be sued in federal lawsuit for two different counts. Said balance was over {$5000.00} but would settle for {$2000.00}. Asked them to send documents for attorney to review and they hung up on me. Called again next day and told guy to quit XXXX  me or would report them and the guy flipped out and had a screaming match with me using every nasty name in the book. Today returned the call told them quit calling. Guy told me I dont control what they do and then told me to go pull weeds or something before hanging up.

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 2023-12-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/ I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XXXX XXXX  and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/. The XXXX transfers were credited back the next day after receiving Wells Fargos response they had listed that the wire transfer case was started on XX/XX/2023 this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/2023. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on Wells Fargos part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I Requested information used to investigate my case and was denied. I am requesting the information again due to the date being wrong on my case and the obvious mishandling of the case which had it been handled when the case was opened on XX/XX/2023 when I was given a case number the fraudulent wire transfer could have been stopped as it was not scheduled to go out until XX/XX/2023. Instead they are claiming it was opened on XX/XX/2023 which is false. I am not even being provided with the receiving financial institution which prohibits my ability to have the scammer who presented themselves as a Wells Fargo employee from being criminally charged.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: VA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA 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 2022-09-08
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 2024-01-02
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XXXX XXXX I received an email stating that this account ending in This account XXXX XXXX with CCS Collections has been verified. I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt. The company CCS Collections stated in there response to an earlier complaint that the did were not able to identify the account, however the company did not hesitate to add this to my credit report ( s ). I have attached a copy of the reinvestigation that was done by XXXX and the company is aware that there is an active dispute with XXXX. I have requested that a copy of the aforementioned documents to help me understand the validity of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act Us Dept of Ed/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 has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX XXXX, I requested a credit freeze from all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). I mailed letters to the three credit reporting agencies and provided the required documentation. I promptly received letters from XXXX and XXXX which froze my credit report and provided me with a PIN. I have yet to receive a response or a PIN from Equifax. I know Equifax received my letter because they deposited my personal check of {$10.00} which cleared on XX/XX/2017. 

I tried using the Equifax website to log a complaint but their website is useless and does not provide a way to email a customer service representative. There are only service phone numbers which are of no use to me because I do not have the time or patience to wait on hold on the phone for hours. 

I would greatly appreciate if you can help me resolve this issue. 


Thank you.

Company response to consumer: Closed with explanation