BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, TransUnion, XXXX and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 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 ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the 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 non-monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-02-17
Company: EQUIFAX, 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} ; MEDICAL XXXX Balance : {$79.00} ; MEDICAL XXXX Balance : {$170.00} ; MEDICAL XXXX Balance : {$89.00} ; MEDICAL XXXX Balance : {$50.00} ; MEDICAL XXXX Balance : {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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 inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from the debt collector XXXX XXXX That I owed a hospital a total debt of {$1400.00}. The woman on the phone told me that if I settled today they would only make me pay half of it, {$730.00}, and that there was a letter in the mail with the same balance owed cut in half as well so I might as well pay today if I can. I decided to pay at that moment on the phone using my credit card. Now, about a week later I have received the letter in the mail, stating a SMALLER, DIFFERENT amount owed to them of only {$430.00}. That is a huge difference of {$290.00}. I spoke with the company today and they said the account had been moved back over the hospital. I spoke with the hospital and they said nothing has been sent over to them yet.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have discharged the debt Navient is trying to collect on in Federal Bankruptcy court. XX/XX/12. They show the account as closed, but continually report that my payment is late. I have called, them, I have sent a letter of cease and assist and they continue to report on my credit. My finacial health has been specifically harmed and I would your assistance to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
WE HAVE ASKED THIS COMPANY TO STOP CALLING BECAUSE WE ARE A BUSINESS THAT HAS NEVER DONE BUSINESS WITH THEM AND THE EMPLOYEE THEY ARE TRYING TO REACH HASNT WORKED FOR US IN THE PAST FIVE YEARS. BUT THEY CONTINUE TO CALL AT RANDOM TIMES OF THE DAY, EVERY SINGLE DAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. 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 2020-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Last XXXX XXXX I sent money to the XXXX at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amounting {$480.00} + Transfer fees {$50.00} Then XX/XX/XXXX American time I recieved a message in the XXXX that they did not trace and recieved the money I sent, So I went back to JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to complain about the matter, They work on it I though they follow it up and it is okey now .Just this morning I was notified in my email that another {$480.00} was deducted in my account .Im just wondering what happened to the first {$480.00} that I sent last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Bliksum, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On Friday, XX/XX/XXXX at roughly XXXX, XXXX XXXX customer service agent XXXX XXXX XXXX did call my place of employment after the customer service department was instructed to not call any number other than my cell phone ( XXXX ). This was explicitly told to the customer service agent several weeks prior. I have recorded conversations with that individual as well as my conversation with XXXX XXXX. 
XXXX XXXX attempting to contact me at work has put my job in jeopardy as I'm not allowed to take personal calls on a work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/XXXX a charge to XXXX XXXX  XX/XX/XXXX PURCHASE XXXX XXXX NV for the amount of {$840.00} was taken out of my account. I contacted the merchant on XX/XX/XXXX when I realized the charge, I immediately called the hotel to get refunded. The hotel advised they would issue the refund, I never received my funds back so I contacted the hotel again via phone and they advised me to contact BANK OF AMERICA. 

I filed a dispute with BANK OF AMERICA on XX/XX/XXXX and was told I would receive my funds in 24-48 hours due to it being expedited due to hardship since my account is now in the negative balance and the funds are intended to go towards my rent which I am now days late on. I have called countless times over the back week to get an update on my funds that are supposed to be accredited temporarily and I have received extremely different feedback from every representative and supervisor that have answered my call, some say my hardship request was approved and I will receive my credit in 24 hours and an equivalent amount say my request has been denied or is still pending. 

I am filing this grievance because I dont know what to believe anymore. I feel like I am constantly getting lied to by the representatives and supervisors at BANK OF AMERICA, and now I am in extreme fear and anxiety of facing homelessness because I can not accurately provide my landlord a request to pay at a later date since no one has been able to give me an accurate status or timeframe on my credit. 

Please help me, I really need the credit expedited to my account as soon as possible. I am extremely desperate.

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 2023-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 would like to state that Transunion is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company the written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental XXXX XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX {$690.00}, XXXX XXXX {$360.00}, XXXX XXXX  {$130.00}, XXXX XXXX XXXX {$550.00}, a number of unauthorized hard inquires : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX, XXXX {$600.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 I need these removed off my consumer report immediately. 

I have attached my consumer report and look forward to hearing from your 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
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX  Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX - {$780.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL 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 2023-04-11
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-01-09
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: Account information incorrect

Complaint:
This loan was not opened by me it was no opened by me I went into the XXXX XXXX branch ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian

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 2020-07-30
Company: EQUIFAX, 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:
The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.

Company response to consumer: Closed with explanation