BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Transunion ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX/XXXX ; XXXX/XXXX Also FALSE INQUIRIES should be Removed as well. Here are the following inquiries : XXXX/XXXX ; XXXX/XXXX ; XXXX XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to It that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!

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: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I submitted a complaint to this company with the CFPB that they promised me a XXXX dollar gift card for applying for a credit card that i was not approved of, they did an investigation and said that i would be receiving a gift card within 60 days and up until this point i still have not received the XXXX dollar gift card. Uploaded the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Facts : 1. I had a Wells Fargo bank account, and it was closed it in XX/XX/XXXX. 
2. When I closed the account, I was affirmed that I did not own the bank anything and I was free to go. 
3. On XX/XX/XXXX I received a letter from a third party debt collection company. The company has my SSN, address, phone number and everything else. The company claimed that I own the bank about {$120.00}. 
4. When I called Wells Fargo on XX/XX/XXXX to double check everything, their banks transferred me from department A to department B, and then to department C. And department C tried to transfer me back to department B. And finally they told me I had to go to a local branch. 

My complaints : 1. I am wondering if it 's legal for Wells Fargo to share my private information with another company? 
2. Why did Wells Fargo wait for 2 years to notice me? How possible did they tell me free to go and close my account, and then found out I actually own them some fees and overdraft? 
3. I am not satisfied with their customer service of transferring me back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-09-08
Company: EQUIFAX, 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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2017-04-06
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
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:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over year. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new accounts reporting. Sure enough, 2 fraudulent accounts are now reporting on my credit file. Recently, I have submitted documents to Transunion in reference to a XXXX XXXX fraudulently opened and Tranunion deleted the account as it was fraudulent. However now, that same account with a different account number has started reporting. This is not my account and I am not sure how to keep this from occurring over and over again. The fraudulent account is XXXX XXXX # XXXX. There was also some type of XXXX account that was just added that is fraudulent as I have never had this account eitjer. The account number is # XXXX. I have submitted my ID Theft report, police report and identification to Transunion and the CEO of Transunion as well.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm submitting my CFPB follow up complaint today, and as per FCRA section 605bXX/XX/XXXXand TransUnion Credit Bureaus are required to remove and block any inquiries listed on an id theft report, and ( a ) the CREDIT REPORTING AGENCIES shall block 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : XXXX 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 2016-10-17
Company: Nudelman, Klemm & Golub, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not really sure who to complain about. I was delinquent on 2 XXXX cards. On XX/XX/2014, I came to a settlement, in court, with a law firm Nudelman, Klemm, and Golub. This law frim claimed that they were representing XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX, attempting to collect. I looked at my credit report and saw that both XXXX AND XXXX were listed as companys that I owed. When I contacted XXXX, they told me that they sold my debt to XXXX. Why am I paying Nudelman, Klemm, and Golub? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX? If so, this is fraud.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attempted to apply for a lower payment plan. When I submitted all of the paperwork required, my payment increased. When I complained to someone that I could not afford the prior payment, let alone the one that they were requiring me now to pay, they stated there was nothing they could do. I have now been deferring my loans for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a small business owner banking with Chase for the last 9 years. 
Recently I had a client who didn't pay us for our services and caused the recurring transactions related to business to create negative balance on the business checking account. 

Chase began posting insufficient charge fees. They managed to charge my account 32 times x {$34.00}, totalling {$1000.00} and making the account completely overdrawn. 
I had spent 10 days of consistent telephone calls to resolve the situation to no avail. 
Finally, their collection department after all these nightmarish phone calls to them stated they would refund {$560.00}. My account was still severely overdrawn and I couldn't get Chase to cover all of the fees. I am outraged that Chase directly affected the finances of my business. I use the account to deposit clients check for work that my business does for them. Chase by draining my account with those fees inflicted financial damage to my operations. 

On XX/XX/XXXX I deposited another client 's check and I still continue the financial fallback from what they did. 

I will close my account as the bank has predatory practices and I don't have any faith in them. Before I do I expect that they return all the insufficient fees as this stress has gone beyond finances and it has been an absolute disgrace and a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
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:
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 XXXX and 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 non-monetary relief
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This morning I called XXXX  XXXX XXXX  ( XXXX XXXX XXXX ) because I paid for the protection insurance on my cards. The account was closed in XXXX. The insurance expired some time in XXXX. The account should have never been reported to the credit reporting agencies. They should have just went through the insurance. Today I spoke with XXXX ( supervisor ) and she pulled up the insurance document but said, they could not provide it to me because the account was in collections. I explained, to her I had a contract with you all, the collection agency does not have this information. I said, you all sold my account to a collection agency with inaccurate information. These two accounts should have been paid for through the insurance. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had to undergo XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now that I am better I realize the creditors are bogus. 
I also had a XXXX credit card and my balance was XXXX I paid XXXX and a few days later I realized I could not use the card. I called, a few months and they said, it was probably late fees. How can I have late fees I just paid, {$1000.00} and you all closed my account because my credit score dropped. I never missed a payment. I wrote an email because I felt like it was discrimination. I never got any further. They were very snotty and told me to call the collection agency. I also had insurance on this card but I never missed a payment, even though I wasnt working I stayed in good grace. On my credit report it still says I owe a little over {$2500.00}. where did the {$1000.00} go. They really treated me bad during the pandemic. Its really sad that they are taking your money and then canceling your card. I was so shocked at their behavior. Why is this okay for creditors to report to the credit reporting agencies and then sell the account to a collection company

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