BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have tried several times to get these fraudulent accounts off my report with no avail. Sent out verification letters and all them send back is a copy of my report with no deletions or verifiable info. I would like to get the following items removed from my report and from there site completely. 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 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-09-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX I sent a XXXX  payment of {$470.00} to a landlord for half of the deposit for an apartment. Later to find out that the landlord was a scam. I have pictures and Receipts of the company they claimed were part of the apartment company stating that I had to pay a deposit after being approved and seeing the apartment in person. When I told them I needed more proof and to speak to the landlord before I sent the other half of the deposit, they deleted the link they sent me to apply and blocked my number.

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 2018-11-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My husband passed away. Chase bank put check on hold they paid my rent and car insurance, and said I was in the negative, I ask what did I need to do they said bring in $ XXXX XXXX and I would be out of the negative and I deposit $ XXXX, XX/XX/2018 then again I was in the negative for $ XXXX The I call on the phone for two hours no one could help me I went back into the bank again they said now I have s balance of $ XXXX I said and I have s withave s Witness my daughter is on the phone speaker And listening, I ask was the money ok they said yes, so I said now it is no longer XXXX when all of this started it is XXXX now, so the bank Chase bank said I could get s cashier check of $ XXXX my rent, everything was ok so I left the bank thinking everything was fine I did what they ask me to bring now I am in the negative again I have not charge anything nor use my card now I am in the negative again for $ XXXX they keep changing, chase bank said the sent the check back to social security but I made good I brought $ XXXX in I dont own them $ XXXX all the figure keeps changing, I understand Chase bank is notrtous for doing this I am on a fix income, nothing has been resolve in a timely. They have had Escalting team and nothing is resolve and the Branch I go to dont have a clue what is happening the Branch computer is never the same as who ever is changing the figures on my account the Branch is XXXX in XXXX XXXX zip is XXXX on XXXX XXXX and XXXX XXXX this is unbelievebi am stress loosing my husband after 58 years, and I have to call and constellations go into the bank XXXX Branch manger didnt have a clue, and this is XXXX and they cant get anything straight. I dont no who is changing the figures or the amount, so please help.since they have taken so long and I am the victim and on social security thank you. I am XXXX years old and should not have to deal with the bank I am so stress over there incompetent, and their inaccuracy .Senior citizen in distress. Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2016-11-22
Company: Coulter Dove & Harris, PC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While in XXXX taking care of my mom and sister, The Luftus firm filled an unlawful retainer in XXXX XXXX XXXX General District court ( note, this was filled XX/XX/XXXX and we vacated the premises the weekend before XXXX ). I called and explained my situation to the court who rescheduled but I was not notified. As a result, I was not there and the XXXX group won by default. 

Later, they filled a garnishment of my wages. I had informed them earlier that I did not owe the money I was being taken to court for but received no response. Proof was provided to the XXXX group as well as the XXXX Districts courts garnishment hearing. As a result, I won and had the garnishment lifted. 

I have since applied several times to have the original judgement vacated and a new hearing but was denied each time with no explanation. 

I have proved I do not owe this money but the XXXX ignores the facts and hides behind the incorrect judgement to take money not belonging to them with the General District court in XXXX, VA not willing to correct this injustice and look at the facts. 

Thank you, XXXX, cc. CFPB, XXXX, The XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX of 2022 I was at dinner with a client and my card was not working citi called me and asked me if I had made purchases on XXXX or XXXX. 

I have an XXXX business and I often use XXXX so I told them it was me and to please approve the purchases as I was at dinner with a potential client and investor trying to pay my bill and was embarrassed that my card kept declining. 

To say I suffered emotional duress would be an understatement. In the heat of the moment I was just trying to pay my bill and I feel citi used this against me later down the road. 

At the time it was only a couple of XXXX dollars and that did seem reasonable to me as I often use XXXX for my business and personal needs and I have gone to XXXX to purchase things in the past. 

What I did not know at the time until I was trying to do my taxes with my accountant is that someone had stolen my card number and had made {$18000.00} worth of purchases at XXXX. Which was definitely not me. 

These fraudulent charges were not done using my XXXX account. For over 15 years I had XXXX credit and I have never overspent in the past. 

This past year my credit has suffered and I am struggling to make payments for items I never purchased. I am drawing in interest from these fraudulent charges and Citi is not helping me at all Over the past year I have made several fraud disputes with Citi but they refuse to work with me. 

They keep telling me to contact XXXX but since these fraudulent charges were never made using my XXXX account because it was not me they have not been able to help me either.

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 2022-01-19
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: Personal information incorrect

Complaint:
TransUnion LLC failed to delete inaccurate and outdated personal information such as addresses and names on my consumer report. The letter was received XX/XX/22, pursuant to USPS tracking # XXXX In the letter I contained a copy of my ID, Social Security Number, and a utility bill and a letter requesting to delete outdated and innaccurate personal information and update with current 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 non-monetary relief
Consumer complaint received 2023-02-15
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:
In the context of your credit report, historically, only three types of entries were public records : tax liens, civil judgments and bankruptcies. Now, only bankruptcies should show up as a public record on an individual 's credit report. XX/XX/2017 Changes to Reporting of Public Records Data Effective XX/XX/2017, changes should significantly reduce the amount of public records data in credit reports. The nationwide CRAs are no longer reporting in consumers credit reports up to 50 % of tax liens and almost all civil judgments. These reductions are a result of the use of stricter criteria to match public records to a particular consumers credit file. As announced by the Consumer Data Industry Association, the criteria will require either a Social Security Number or date of birth in order to match a record data which most civil judgments and many tax liens do not include. Because the CRAs will not be able to match the public record data to a consumers file, about 50 % of tax liens and most civil judgment will not be included in the consumers file. The stricter matching criteria is the result of a settlement between the nationwide CRAs and the attorneys general in 31 states and a separate settlement with the New York Attorney General, as well as supervision by the Consumer Financial Protection Bureau. About 6 or 7 % of scoreable credit reports ( translating to an estimated 11 or 12 million consumers ) will be affected according to FICO, but the improvement will be relatively limited. About 75 % of affected consumers will experience a credit score increase of less than 20 points. For more on matching and other errors in the collection of public record information, see NCLCs Fair Credit Reporting 4.3.2.5. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. 4.4.6.5.

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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 with product or service terms changing

Complaint:
Good Day, I got an email on XX/XX/2018 from XXXX : Dear XXXX, As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your XXXX XXXX membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the XXXX XXXX every month to check your score and score history. Log in to your account now. 

Thank you for choosing XXXX XXXX. 

Sincerely, TransUnion I created an account after entering personal information, including a credit card number. Credit scores then appeared, along with other information about my credit. On closer examination, I discovered I had been signed up for credit monitoring, for {$19.00} /month, and that the first month had already been billed to my credit card. There was no indication that I would be charged for this service. I called XXXX, and at first, they claimed not to be able to hear me. I finally spoke to XXXX, who, at first, claimed that the first months ' charge could not be refunded. After much negotiation, she promised that the first months ' charge would be refunded, confirmation # XXXX. 

Please encourage TransUnion to make it clear that the service offered by the email costs $ XXXX/month. Please ensure that all charges associated with this matter are refunded to my credit card.

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 2023-04-14
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: Account information incorrect

Complaint:
I have business account with XXXX and XXXX after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. XXXX knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. XXXX, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding Equifax has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my credit score. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, don't recognize nor authorized these Hard inquiries. 

XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 2016-09-25
Company: ARC Management Group, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX ARC Management Group LLC reported to XXXX I had XXXX account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe ARC Management Group LLC anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from ARC Management Group LLC or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by ARC Management Group LLC are a clear violation of the Fair Debt Collections Act. I am requesting that ARC Management Group LLC removes this collection account from each XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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 called chexsystems in XXXX in regards to several errors on my report. Chexsystems had my file mixed up with someone else 's, they had address that I never lived at, names that I never used, several inquiries and and account that I never opened from XXXX XXXX XXXX XXXX, clearly there is some fraud going on.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$210.00}.

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted.Public Information: Chapter XXXX  Bankruptcy: Reference 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