BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does 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 non-monetary relief
Consumer complaint received 2022-08-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE XXXX SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL.

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES. 

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed 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 explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft due to the XXXX breech and it still has an effect on my life to this DAY, and I have had many accounts compromised or opened in my name without my knowledge. Some of the companies have replied and agreed to remove the fraudulent accounts off of my report. I've reached out to XXXX, XXXX and XXXX XXXX  MANY TIMES regarding these accounts and they ALL have agreed to remove accounts! I even sent the credit bureaus proof many times and they have the audacity to say its " ACCURATE '' but have removed other fraud accounts which makes no sense to me. 


Many more accounts have been appearing from XXXX and they never follow up to make sure it was me opening those accounts! 

I'm tired and have exhausted all my options I have many police reports, an FTC report, and Letters from these Creditors and yet they're still reporting to my credit!

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 2020-11-05
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Card worked great until Wednesday night at XXXX trying to make a XXXX. XXXX order and card was declined with enough funds to cover purchase. Went to XXXX XXXX gas station to buy a XXXX card was declined again. Called card company waited on hold for three hours to be told card has to be whitelisted and should work in 24 hours. Not only did they cost me black Friday deal for XXXX for my family but also made me embarrassed when I couldn't even purchase a XXXX and their customer service is a joke as well. Way2go Is a horrible company and not customer first

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 consumers right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX along with XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX and XXXX along with XXXX XXXX XXXX Account Number : N/A Account Name : Student Loans XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Department of Education 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other items of adverse information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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 non-monetary relief
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid 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:
I would like to reopen case # XXXX so I can upload the supporting documents. I talked to an CFPB agent and he advised to reopen in order to attach the supporting documents. 
Attached documents are : 1- The original complaint filed case # XXXX 2- Two Board Certified XXXX stating that the XXXX failed and require to be redone 3- Police report that the clinic press charge on me as a customer in order not to come to the clinic any more meaning they refuse to fix or correct or even followup on my 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 monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
Equifax, XXXX, and XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) Equifax XXXX XXXX XXXX and XXXX have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) Equifax, XXXX, and XXXX don't have no written premission *According to 15 USC 1681 I have the right to privacy *According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on Equifax, XXXX, and XXXX have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts 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**** and 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 2023-03-28
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: KS
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 XX/XX/2022 I attempted to contact Experian to freeze my credit. I did have a previous account. I attempted to login with that account but it did not accept my credentials. When I put in for them to send new password, it sent the information to an incorrect email address that was not mine. in order to get to that point I had to include my Social Security number. So my concern is that my Social Security number may be out there at someone elses email and I cant freeze my credit through Experian. Ive used their online information and can not get through to them. I looked everywhere I could to get a live person to talk to me and there arent any of the options that allow for that. I reached out to the XXXX XXXX XXXX and California financial protection and innovation department. They said the FTC is the proper channel for this. I hope you can help. Thank you.

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 2022-07-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am unable to log into, pay, or negotiate this account. Apparently, comenity bank is experiencing a nationwide system failure/glitch that is preventing consumers from logging into their accounts. However, I keep receiving " late/past due '' emails and have another incoming payment due in a few days. Whenever I call their customer service department, I keep being told to " Call back later because of a system update/ outage. '' I have been told this same thing for weeks now every time i call. I do not know what else to do? 

Furthermore, the loan amount in question ( {$4100.00} and change ) is incorrect. I have only received treatment ( 2 ) treatements that should have only totalled {$400.00}, from Comenity Bank 's provider, XXXX XXXX. Althought the balane was brought down to about {$2100.00} and change, this is still too excessive considering I only received 2 hair/wash/groom appointments that should have only costed me about {$200.00}. 

Lastly, I never received an itemized receipt detailing the charges of only the 2 treatments i received at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX initially double reported negative information on my reports. I had a lease that I had surrendered and I looked at my credit reports some time after and saw the lease, it was correct. Some late payments but was reported as satisfied and paid in full. Then there was another item from XXXX  stating that I owed XXXX. So I disputed the later being I have no clue what the XXXX account was, what they stated why I owed and their initial response was stating end of lease termination and deleted the account I was aware of and kept the one not belonging to me affecting my credit report with two items that were negative and falsely stating I owed XXXX dollars. My credit was adversely effected by this, lowering my scores. I kept disputing and finally it was removed from one of my reports but remains on others. I have no clue what this debt is. End of lease means nothing to me. I wasnt told at the time of leasing it that I would have a final payment. I was never notified of any charges owed. This has cost me credit and money due it resulting in lower scores and higher rates

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 2022-05-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Former complaint and it still isn't resolved with XXXX and XXXX. Please see attached documents to add to my complaint. XXXX is marking up my credit.

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 2022-02-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, I booked a trip to LA for a wedding ( XXXX passengers ) through the Chase Ultimate Rewards program. I did not use any of my points, rather paid with my credit card for the trip. The wedding was postponed so I called Chase Rewards early XX/XX/XXXX to cancel the flight and get a refund. After speaking to XXXX associates and reviewing policy docs from XXXX XXXX and Chase, I was able to fight to get a partial refund and partial airline credit. I called chase rewards again on XX/XX/XXXX to confirm the refund was in progress and confirm the credit when I was told there was nothing in their notes that indicated I had a refund in progress. I spent over 3 hours on this call with someone named XXXX that indicated they had to listen to all of my previous calls in order to confirm what was promised. Therefore I waited while they put me on hold to listen to the calls which were hours long. Finally XXXX came back and said they were able to confirm the refund and credit ( after initially saying they couldnt confirm ). Due to the inconsistency I asked XXXX to email me confirming all the details. On this email and previous calls, I was quoted the refund will be issued within 2 billing cycles or within 60 days. I called late XX/XX/XXXX since my 2nd billing cycle ended and Chase Ultimate Rewards indicated it hasnt been 60 days therefore I would still need to wait past the 2 billing cycles. Today is XX/XX/XXXX and I still have not received the refund. I called today and am being given the same excuses and no solution. They basically scammed me and stole {$380.00} from me.

Company response to consumer: Closed with monetary relief