BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
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:
I am writing to bring to your attention the ongoing and frustrating situation regarding the reporting of inaccurate information on my credit file. Despite my numerous attempts to rectify the issues related to both a late open account and the presence of charge off accounts, the inaccuracies persist, negatively impacting my creditworthiness.Under the Fair Credit Reporting Act ( FCRA ) it is the responsiblity of the credit bureau 's to correct or remove the said accounts in my credit file. 
I am now submitting a formal complaint and urge the credit bureaus to conduct an immediate and comprehensive reinvestigation into the reported inaccuracies, including both the late open account and the charge off accounts. 

I am deeply frustrated by the persistence of these inaccuracies, which have significant consequences on my financial well-being. I trust that, given the gravity of these matters, your team will prioritize these issues for immediate resolution. I am asking for your assistance to correct these late open and charge off accounts in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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:
For a number of years, Ive been incarcerated and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and its been past 30 days since I reach out any response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
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:
1. I have received email from Experian that I was in collection with XXXX XXXX XXXX XXXX for delinquent XXXX XXXX XXXX account. 
2. I have talked to a staff in XXXX  XXXX that I have received credit card with my full name, Social Security Number, Third party 's Address & Phone number. 
3. Third party used credit card from XXXX XXXX & did not pay. 
4. Contacted Credit report company & remove third address & Freeze the 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 2020-03-11
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Financed Services with XXXX XXXX/XXXX XXXX  {$2000.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Received a Collection Letter- {$800.00} ON XX/XX/XXXX Access Capital Services , Inc . 
XXXX XXXX XXXX XXXX, CA XXXX ACCT # XXXX XXXX Unsatisfied/Negligent Services Over Charges and Up-Scaling Services that were Not Needed Performed on XX/XX/XXXX. I Paid an Additional {$1000.00} and Still Pending to Get Correction on XXXX  that when I walked into his Office I Just Needed a XXXX XXXX was told a XXXX  would Better Suite me, he however did not Perform Services Correctly Leaving me with Lots of XXXX. I Financed Services, Never Received a Call Back Regarding Complaints, I Visited other XXXX  and After begging I got some of the Work Corrected and Still Pending More Corrections due to the Negligence of this Dr. A Simple Adjustment for Example on XXXX # XXXX I would wake up in the Morning with Lots of XXXX just needed to adjusted, XXXX  # XXXX still has an Open Contact was not XXXX correctly, XXXX  # XXXX a XXXX  was placed and was falling apart I had to go get it Redone cost me an Extra {$500.00}. the XXXX  on XXXX  # XXXX had to removed and Caused me to get a XXXX  for the XXXX XXXX   once his work was Removed an I Felt an Instant Relieve Another {$500.00} I have Spent {$1000.00}, per My Insurance XXXX XXXX XXXX I was Over Charged {$2300.00} ; My Responsibility to them was {$460.00} I Never Received a Corrected Bill I Did have to take time from work and look for other Dentist that would take me as a Patient to Correct the Work I do believe I'm Owed a Refund in the Amount of {$590.00} ( {$1000.00} out of pocket for Revised/Correction of XXXX XXXX Work - {$460.00} ) now Im getting almost after 2 years a Bill from a Collection Agency-Access Capital Services , Inc. that has Called me Multiple times till I had to tell them I was Going to Seek advise from an Attorney they Stopped Calling me they Called Me on Friday XX/XX/XXXX & XX/XX/XXXX I had to tell them to Stop I also Sent them Proof of my Insurance and Letters to them Demanding a Refund for the Unsatisfied/Negligent Services from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previous disputes with CFPB against Equifax where I supplied ALL the documentations they requested regarding an inquiry that was fraud on my credit file. Equifax response According to CFPB complaint # XXXX and complaint # XXXX NON REPORTING DISPUTES Inquiry : XXXX EMPLOYEES FEDERAL CREDIT XXXX XXXX XXXX XXXX XXXX NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE BUT THE XXXX XXXX XXXX XXXX XXXX IS IN FACT STILL REPORTING. I AM GOING TO SUE EQUIFAX. Also the initial investigations TOOK WELL OVER 30 DAYS TO RESOLVE. They'll be hearing from me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-12-23
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX, Balance {$0.00} ), XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX Balance {$0.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, Balance {$100.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} )XXXX XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance {$280.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm submitting this complaint personally to resolve unauthorized credit inquiries on my record that don't pertain to me. It's crucial to remove this fraudulent information right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2021-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So recently my citizens bank mobile banking app was hacked into and a check was deposited for {$7800.00}, that was later returned because this was not me and the funds were insufficient. Then XXXX $ was transferred to someone named XXXX XXXX through the XXXX on my mobile banking. Then my XXXX  XXXX  was hacked because 4 separate transactions of XXXX $ were added to my XXXX XXXX and then sent out in 4 different payments to some one named XXXX. This was not me and Ive been telling this to my bank but the fraud claim got denied twice. I tried to contact XXXX XXXX  and they said that they will help in any investigation through XXXX XXXX my bank is now calling me asking for XXXX. I am a student in college and this was a students checking account so i dont know how its even possible for my account to go negative if all I had in it the day before was a few dollars. I need serious help as soon as possible because the collection agency keeps calling me and I dont have the money to pay this and Im also obviously not going to pay for something that wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was in auto accident and had gotten medical treatment in XXXX Hospital in XXXX, AL they debts was paid by my attorney ( see attached documents ) the hospital later sent it to collections and have reported on my credit report which id defamation of character as this bill has been paid way before reporting date. I have disputed this information with National Recovery Service and the credit bureaus asked for debt validation on several occasions and to verify that they were legally allowed to report this after I have paid them before they even placed on my record. The company failed to do an accurate dispute and to send me validation of the debts they claim I owe, they are defamation my character and this information needs to be removed immediately or I will seek compensation for damages. 
Regarding accounts : XXXX XXXX  ACCOUNT # XXXX {$250.00} XXXX XXXX  ACCOUNT # XXXX {$4100.00} I have mailed several dispute letters since XX/XX/XXXX and I sent a final dispute certified tracking # XXXX Nationwide Recovery Service sent XX/XX/XXXX delivered XX/XX/XXXX @ XXXX XXXX   certifeid tracking # XXXX Nationwide Recovery Services sent XX/XX/XXXX delivered XX/XX/XXXX AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report 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 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and 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 explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions 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 didn't apply for this account on my credit report these are fraudulent accounts, and I would like this account to remove off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX  Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX  XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Collections that don't belong to me Original creditor : XXXX XXXX XXXX Account name : XXXX  Account : XXXX Amount : {$660.00} Original creditor : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account : XXXX Amount : {$630.00} Original creditor : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX Account : XXXX Amount : {$6.00} Original creditor : XXXX  Account name : XXXX XXXX XXXX Account : XXXX Amount : {$390.00} Original creditor : XXXX XXXX Account name : XXXX  XXXX XXXX  Account : XXXX Amount : {$910.00} Original creditor : XXXX Account name : XXXX XXXX XXXX XXXX  Account : XXXX Amount : {$1400.00}

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 non-monetary relief
Consumer complaint received 2020-02-14
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On Wed XX/XX/2020 XXXX XXXX, an unauthorized Western Union payment transfer was made from my account and using my personal bank account information to transfer an amount of XXXX USD to a person I do not know. This is the information that I received in an email : Receiver Name : XXXX XXXX City : XXXX Country : XXXX ZIP:XXXX XXXX, XXXX At XXXX I received an email notification that the payment was successfully and that alerted me to this unrecognized activity. 
At XXXX another transfer payment was attempted ( WU tracking number ( MTCN ) is : XXXX ) for an amount of $ XXXXUSD to a recipient that I do not know either : XXXX XXXX Address : XXXX XXXX City : XXXX  ZIP:XXXX Country : XXXX Mobile NumberXXXX Expected Foreign Country Payout Location : XXXX, XXXX Western Union Customer service called me, and I confirmed that I did not authorize any transactions on that day. 
Western Union provided me with a case number : ( XXXX ) I also contacted my bank ( XXXX ) and they put an alert on my account. I am in the process of disputing that charge but the bank is not willing to confirm the dispute at the moment. 
Please advise what is the best next step of action that I should take to resolve this issue. Thank you, XXXX XXXX tel ( XXXX  ) -XXXX-XXXX

Company response to consumer: Closed with explanation