BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now

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 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 was offered a 0 % intro on balance transfers and purchases for 15 months By Capital One XXXX XXXX Credit Card. Because of this offer, I was inclined to apply and seconds later I received an email informing me that I was approved. I waited to get my card in the mail. I activated my new card. I set up my online account. I attempted to make my first balance transfer and was not able to successfully complete. I called customer service and the first person informed me that if I was given an offer then it must be given to me. The representative could not help me but transferred me to a representative that could. I was transferred to a female that with the name of XXXX XXXX id # # XXXX. XXXX informed me that the terms were changed, I was given an alternate product and I was given the option to accept, and I accepted. However, I never was given the option of alternative terms and I was never notified in writing or email of said alternate terms. The terms in the documents that were sent to me via email never mentioned that I was not approved for my initial offer. It only spelled out the transfer fee of 3 %. Nowhere in the documents was it written that I could not make balance transfers and that I was not approved for that benefit of this card. XXXX XXXX informed me that if I didn't like it then I can close the account and that I could not escalate the matter or dispute the matter any further than her. She told me she has a supervisor but does not get involved in customer matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18
Company: CORELOGIC INC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing my credit report and I notice some information to I believe to be incorrect.

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 2023-05-02
Company: EQUIFAX, 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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2016 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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  Account XXXX XXXX  # XXXX, and Account # XXXX XXXX XXXX Account # XXXX XXXX, account # 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 angency 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 2020-03-11
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency continues to call me on my cell phone. When I answered they immediately have a recording and then someone picks up. When I asked them to identify themselves they told me the name of the company was Collection Serv. I asked why they were calling me, they told me they were calling me on behalf of a client. I asked what client, they said XXXX XXXX XXXX. I asked why they were calling me. They began by asking me to verify my ssn #, I refused. They asked me to verify my address, I refused. They told me that I owed their client. And I told them I did not know what this was about and I owed XXXX  nothing. I asked them to stop calling me. I hung up. 2 hrs later I get another call, same person calling me harassing me once again. Finally I called the number back and faxed over a Cease and Desist letter to the fax number they gave me. Next day I get another call. When I told them I faxed over the Cease and Desist they laughed and hung up on me. I do not know who  this company is but I do not like being harassed for something I know nothing about. The next month I see something on my credit report, I dispute it and tell them to send me documents that this is my debt. They refused. And as of today I still have not received anything from this agency but constant calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The EQUIFAX AND XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX/XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXXXXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/, 2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

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 2023-10-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to follow up on my previous complaint, Case ID XXXX, regarding inaccurate information on my credit report provided by Experian. It has been over 30 days and despite my efforts to rectify the situation, the issue persists, and I seek your assistance in resolving this matter. 

Upon reviewing the copy of my credit history report from Experian, I observed several inaccuracies that have a detrimental impact on my creditworthiness. I promptly contacted Experian to dispute and request the removal of this inaccurate information, but they have refused to take corrective action, asserting that your company, Experian, deems the reported data as accurate. However, I firmly believe that the information is indeed incorrect. 

Here are the details of the inaccuracies : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I reiterate that the inclusion of this inaccurate information is causing severe damage to my credit. I kindly request that you promptly investigate this matter and take the necessary steps to rectify the inaccuracies in my credit file. Additionally, please confirm with me within 20 days that you have contacted the credit bureaus to correct this 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 2023-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
At the end of XXXX I was on vacation in XXXX when I was XXXX XXXX XXXX  They stole my cellphone and wallet and thousand of dollars from my Chase checking account in the form of an ACH transfer of XXXX on XX/XX/XXXX plus a XXXX transfer of XXXX followed by a XXXX transfer of XXXX  and another XXXX payment of XXXX and XXXX transfer of XXXX. Later they would proceeded to use the physical card and XXXX  to take an additional XXXX. I called the bank to let them know my card was stolen and later to tell them that my identity had be compromised. Chase has denied all my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 social is XXXX XXXX XXXX, and on or around XX/XX/XXXX XXXX, and transunion neglected my attemps to have false information and unsolicited credit checks removed from my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been applying for credit cards but I am being told that my score can not be computed because I have no XXXX score, but around XXXX I did have a fine score., now I can not apply for credit due to this fact

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 express my ongoing frustration and disappointment with the multiple attempts I have made to correct a late open accounts on my credit report. Despite numerous efforts to address this issue, the late open accounts remains, causing unwarranted harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports, specifically highlighting the late open account, along with supporting documentation that substantiates my claim. 

Despite my persistent efforts, the late open accounts persists on my credit report, causing undue financial stress. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly correct the late open accounts on my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to resolve the inaccuracy. 

If my concerns are not addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : 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 2023-07-05
Company: Experian Information Solutions Inc.
State: NC
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:
consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX Balance {$3100.00} XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX XXXX XXXX Account # XXXX Balance XXXX $ Experian Business Cred ( inquiry ) XX/XX/XXXX Experian Business Cred ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX ( inquiry ) XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
This complaint is filed against all 3 credit bureaus of TransUnion, XXXX, and XXXX for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the XXXX XXXX XXXX 3 bureau credit report is included so the account can be side by side by side XXXX XXXXl errors and discrepancies can be verified. The said errors are : XXXX. TransUnion reports no late XXXX, XXXX, or 90 days late. XXXX  reports 2 30 days late,1 60 days late and 2 90 days late. Then XXXX reports XXXX 30 days late, XXXX 60 days late and13 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. TransUnion and XXXX report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. TransUnion shows XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both TransUnion and XXXX show date of last payment as XXXX. XXXX shows date of last payment as XXXX. All don't match. 5. Both TransUnion and XXXX show credit limit as XXXX. XXXX shows credit limit as XXXX. 6. Date last verified is missing on both XXXX and XXXX reports. 7. Date closed is missing on both XXXX and XXXX reports. XXXX. TransUnion report under dispute status says account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, TransUnion is to immediately delete any codes or remarks for dispute. TransUnion failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under Creditor 's Remarks it says account disputed. Both differ and can't be correct. XXXX. XXXX  report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. XXXX. XXXX report shows account disputed under Dispute status and under Creditor 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over XXXX was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of 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 non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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