BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case Trans Union XXXX XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.

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 2022-11-01
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Account XXXX XXXX on my credit report has late payments that are not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: Block, Inc.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
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:
On XX/XX/2023 I made a online purchase at XXXX it never arrived. I contacted my debit card and disputed it since I never received my items. They denied my claim I asked for the documents that decided this and was sent the transaction information nothing on the investigation on why my claim was denied. I've requested a refund from the online company and have several emails from them. The first saying I needed to pay them {$15.00} more dollars. Others saying they will give me a 40 % refund. The last one was last night saying my order is still on hold and they can offer 70 % refund. I've sent the emails to cash app to prove this is a scam and they are trying to get more from me and to please refund my money. I keep getting denied and don't know why and even hung up on me when I asked to be put thru to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: NY
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:
Credit inquires reporting that I did not authorize

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 2023-04-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX requests information about a unrecognized debt : On XX/XX/XXXX the information requesting proof of ownership and authorization that they were assigned this debt was not provided. I requested the information for the second time on XX/XX/XXXX by certified mail from : FAIR COLLECTION & OUTSOURCE This unrecognized debt is on all 3 credit bureaus. 
My information has been found on the dark web and I am not sure what happens when it appears on that website. 
The above information has been reported to the 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 2023-02-27
Company: Experian Information Solutions 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXXXXXX

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 2018-06-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found that my old Wellsfargo Bank 's balance on a account I thought we resolved. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. And I found multiple inaccuracies with the way this account is reporting and would like it completely removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: DC
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 disputed a XXXX XXXX XXXX auto loan which reported a 30 days late payment. XXXX XXXX XXXXXXXX near sent a letter stating I was late or the account was possibly in default. XXXX XXXX XXXXXXXX finally sent the letter 90 days later at which time I made sure the account was fully paid.

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 2020-04-01
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I started to refinance my house and my credit report was ran, there was a account on my credit report that I was not aware of that was showing delinquent. the account was for XXXX XXXX XXXX and was reporting to credit report by Credence resource management. I attempted to call XXXX XXXX XXXX on XX/XX/XXXX and they couldn't give me access to the account because I didn't have the PIN, I didn't have the PIN because I didn't open the account. at that point I attempted to call Credence Resource. I have never received any bill or any notification of debt or lack of payment. Credence shared with me the address they send information to which is not my address or even the state that I live in. the employee with credence resource stated there was nothing they could do and I had to file a police report. the amount is {$780.00}, they stated the account was opened in XX/XX/XXXX and submitted to credence resource in XXXX XXXX the account number credence gave me was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ok so i closed on my first house XX/XX/23 my monthly payment was XXXX. Two weeks ofter closing i received a email saying they have the wrong tax information for the land i of to pay a extra XXXX dollars a month. So i reach out to loan company ( new American funding ) and i told them i can not afford that. I already settled for what i can afford they said they understand and there going to call me back in 2 to 3 days time no call or email. I still go ahead and make my monthly payment for XXXX now login on there app XX/XX/23 only to see my monthly payment went from XXXX to XXXX. And i can not afford to pay that so now am worrying my house going on foreclosure because of something thats not my fault..i sign and agreed to pay XXXX a month because thats what i can afford and comfortable paying

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only 14..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a million of inquaries tht i cant access... thanks for your help

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 2022-11-01
Company: General Motors Financial Company, 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 am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 Americredit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my state tax refund check in the mail on Monday XX/XX/2020. I immediately took it to the bank and deposited into my checking account at Chase Bank. I know checks take time to process so I didn't think anything of it and continued my day. The next day I go to buy food for my XXXX toddlers. My debit card is declined despite me knowing I have money on it ( money that's not from the check, but fromy XXXX XXXX ) So I look into it and find out that my entire account has been frozen. I have received no communications, letters, alerts, or any attempt of contact with Chase bank at this time. I reach out on social media to which I receive an automated response. Then I try to call about it and I sat on hold for 3 hours then got hung up. I called again and waited another 3 hours to get hung up on. Another 3 hours then told they are now closed. So the next morning on Wednesday XX/XX/2020 I receive an electronic letter from chase  stating I can not use my account and they are closing it because I didn't provide requested information. They never requested any information. So the second they opened, I called and waiting an hour to talk to someone. They told me the account would be fixed, the hold would be lifted, and I would have access to my funds as soon as my husband took two forms of identification to the local branch. So we did. And they said they couldn't do anything without calling. So 3 hours on hold and they answer talk to the representative, and hang up. Then they say there is nothing they can do I will have to wait three months to get my state of Colorado check back in the mail. I was lied to by someone because I was told if my husband brought identification it would be fixed and I'd access my funds. This was not the case and now we are unable to get through to any chase representative. I need this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD 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 explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: WV
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 attempted to have this account updated with experian, but they are still incorrectly reporting this loan. Although I filed for bankruptcy in XXXX, this auto loan was paid in full instead of being excused in that filing and I own the title for that vehicle free and clear from XXXX as of XX/XX/XXXX. 
XXXXXXXX XXXX  Account number XXXX I have attached my title and lien release for that vehicle from XXXX  when it was paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I sent a letter to the XXXX XXXX XXXX on XX/XX/2023, requesting to remove : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$600.00} that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.

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 2023-11-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX XXXX XXXX, I received two invidious letters from the law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; on behalf of two debt collection agencies : XXXX XXXX XXXX and Midland Funding LLC. The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. 

Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. 

Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'VE REVIEWED A COPY OF MY UPDATED CONSUMER REPORT AND FOUND MULTIPLE UNAUTHORIZED CHARGES. THE INFORMATION FURNISHED IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I'VE CONTACTED THE COMPANIES OF THESE UNAUTHORIZED CHARGES AND THEY WERE UNABLE TO PROVIDE PROOF OF AUTHORIZATION FOR MY CREDIT TO BE PULLED.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: IL
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:
The account XXXX XXXX on my credit report has inaccurate late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my credit report is showing an open account as closed. I would like this fixed and updated immediately. The account is : XXXX XXXX XXXX XXXX Credit limit- {$650.00} Date opened-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