BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.

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 2024-01-10
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'm sending this complaint to have several 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 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 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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-07-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
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: Their investigation did not fix an error on your report

Complaint:
Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The XXXX and TransUnion Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX  days and I haven't received any investigation results.

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 2021-10-07
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft my personal information was used without my permission to open a fraudulent account and XXXX credit inquiries. I have filed a police report with the XXXX Texas police department, contacted the furnishers of this data and submitted a federal trade commission Identity theft affadavit in attempt to get this inaccurate information deleted from my XXXX credit report! I demand that action be taken immediately to move forward with deletion of fraudulent data from my credit report! 

Fraudulent account Ic system opened XX/XX/2021 XXXX : {$1100.00} account number : XXXX fraudulent inquiries XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXe XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive recently checked my credit report and I see on my report that looks as though someone got a hold of my social or information and applied for things in my name that I did not authorize can you all please take care of this issue due to the law. I have excellent credit and worked very hard from my report to get where it is to have someone come mess it all up can we get this cleared 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 2023-11-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX  Inquiry : XX/XX/2023 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XX/XX/2023 I am reporting fraudulent found in 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 2018-02-09
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been trying to contact Experian for months now! I have been calling constantly to cancel this membership! It is impossible to talk to someone! I have been on hold for hours and hours and sometimes it just disconnects the call! They have been charging me $ XXXX/month for a service that I CAN NOT cancel and DO NOT use. This is the biggest scam ever!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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 been disputing the following accounts : XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX On XX/XX/2021, sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-01-25
Company: EQUIFAX, 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:
For nearly 3-years, I have been trying to get Equifax to remove a collection item that the company has instructed them to do so. XXXX XXXX XXXX sent me a letter and requested that the credit bureaus delete this item from my report dated XX/XX/2017. 

Equifax has refused to acknowledge this additional information. Instead, the item remains over 2-years later. 

Equifax is in direct FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
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:
Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a new card in the mail on XX/XX/2021 and immediately called customer service to link the new card to my existing chase business account to have all my cards in one account. 

The specialist misunderstood my request and consolidated my new card to my older business card and closed the new card. 

I explained to her I did not want the card to be closed and that all I wanted was to link the two chase accounts together. She apologized for the mistake and promised to reverse the process. She returns 30 minutes later and informed me that the process could not be reversed and my only option was to reapply for the credit card. 

I should not be doing this to fix the problem they created. I can not reapply for a new card because the hard pull will lower my credit even lower from the previous application. Theres also no guarantee that I will get accepted again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Checking my XXXX  XXXX again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
August 29-30th XXXX  it was I reached out to XXXX XXXX  to purchase a new vehicle my husband and I drove out of our way to make this purchase. We walked away with a new vehicle then a few days later Im getting notifications back to back from my XXXX app that someone was trying to gain access to my credit profile only it was locked but they were able to obtain both transunion and XXXX profiles. I look and see that XXXX XXXX  XXXX, Ga had used my ssn for over 10 different banks to get access to a loan none of which I gave permission for or did XXXX  mention this. This is unfair and disrespectful I would like all inquiries removed. The dates for the inquiries are from 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 2023-05-06
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am reporting fraud and providing information and documents to support this situation. Also I have reached out to XXXX due to this document/contract claims and shows that it was recorded through their platform and sent with security email that shows at the top of contract/agreement. Also this fake finance contract shows that Bridgecrest is not attached to the document as the finance bank provider, it shows XXXX XXXX XXXX ga, with a guy name XXXX XXXX that signed the document and also forged my signature that I never signed, Bridgecrest is reporting this fake account on my consumer report as a auto loan, which is stated as a finance credit transaction instead on the contract, also RED FLAG signatures covers over lines and the same contract can be looked up online XXXX as copy view just like the one I have been sent. This is total embarrassment I have never did business with these people and Im suffering due to financial hardship and mental abuse, Due to this situation, at this point Im reeaching out for the last time to settle this with a reimbursement with cfpb witnessing these documents and if or your refusal of corporation of law. Below is document. Also XXXX refers me to they legal team, which Im not Doing I will go to my lawyers and through subpoena, to make sure I get justice for this corporate fraud. Also I requested for the original email from XXXX and XXXX can not provide it nor can find the original document that would not have copy view all over it meaning its a template sample that any person can buy. XXXX also verified the email was pulled up but it didnt show the sender information nor it showed my information only XXXX and my name only, no email from neither me or XXXX. The whole thing was a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX  # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Thank you, 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 2020-02-18
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agency is trying to collect on debt for an online school which I canceled in a timely manner started 1 course and canceled properly have had no transaction with collection company and they are not representing the original creditor they have reported to credit reporting agencies negative remarks an an negative account have not agreed with any they are trying to ruin my credit rating also harassing phone calls on a not call listed phone number which i have not given permission to call or signed anything with them

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