BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

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 2022-01-30
Company: Weber & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX : I received a letter from Weber & Associates, a debt collection agency, stating that a medical bill from an emergency room visit that I had on XX/XX/XXXX had been sent to them for collections and now owed {$890.00}. I had been trying to dispute this bill directly with the hospital and was still awaiting an itemized receipt from them, so I was surprised to receive a notice of collection already. At this time I was already in communication with the hospital itself. 

XX/XX/XXXX : XXXX XXXX, an employee of Weber & Associates, contacted me over the phone about this supposed debt. I let him know that I was currently disputing it with the hospital and also asked him to explain why I had been sent to collections. Upon learning that I was in the process of disputing the bill, he asked me to send a letter to formally inform Weber & Associates that I was doing this. I told him I understood this and said to expect a letter from me. After this call, I drafted a letter formally asking Weber & Associates to validate this debt and pause all debt collection during this period. I sent this letter through certified mail. 

XX/XX/XXXX : According to the USPS Certified Mail Tracking number, my letter was picked up at the post office. 

XX/XX/XXXX : This is the date of the next communication ( letter ) that I received from Weber & Associates. In this letter, they claimed that I did not dispute the validity of the debt, even though they received my letter clearly stating that I was disputing it. The letter also specified that because of interest, I now owed {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I had sold my home because I was about to go into foreclosure and originally I was supposed to get {$400000.00} net proceeds and it turned out to only be {$36000.00} and XXXX XXXX and in the mortgage business so I could not find a job so every XXXX counts. I had opened up a chime account several months ago and decided to transfer from my cXXXX account to Chime {$10000.00}. I never heard back from chime and come to find out they closed my account so I asked the to please wire the money back to XXXX and they said they cant until I give them a copy of my drivers license, social security card, birth certificate, and and explanation where my deposit came from so I wrote them an explanation and also provided them with my XXXX account statement and my final closing statement to prove where my money came from and still nothing. I called and called and resent my documents to chime at least XXXX times and they kept on losing everything. I begged and pleaded with tnem and even told them Im out of work and need my money to survive and still nothing. I then found the CEO XXXX XXXX and sent him a private message to see if he can help me but he never replied and keep in mind hes worth billions of dollars so now Im at my XXXX end and coming to you for help I am so desperate and cant pay my bills, buy food, and living on a XXXX XXXX XXXX XXXX because I need that money in order to put a deposit on an apartment. Can you help me? Im having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know what I can do to get my money back. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2023-04-26
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: Old information reappears or never goes away

Complaint:
Experian is reporting that XXXX XXXX on behalf of XXXX. XXXX XXXX, has reopened a collections account as of XX/XX/2023. A similar collections account was on my file previously but had it fallen off a couple months ago and now has reappeared. This account has been re-aged.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion student loans are still reporting negatively on my credit report. These student loans were opened in XXXX, and still affecting my credit score. I work for law enforcement, credit is important in my line of work. I have previously disputed these student loan accounts before, i'm currently dealing with the same issues again. These student loan accounts need to be deleted to prevent future complaint regarding the same issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are reporting XXXX days late. Please help me in resolving this matter. 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 2023-04-27
Company: Experian Information Solutions Inc.
State: NC
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 recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  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 and experian are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting XXXX, XXXX and Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, XXXX and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, XXXX and Experian does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. XXXX commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER 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 2023-03-09
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: Account information incorrect

Complaint:
This is my 3rd time trying to fix this with XXXX. My next action will be to hire a lawyer and report them to my States Attorney General and the Federal Trade Commission. This account was closed in XXXX due to charge off status. XXXX is reporting a last payment in XXXX which would change the first date of delinquency. ( ACCOUNT HAS BEEN REAGED which is a FCRA violation ). This account has reached it 7 year mark and should not be reporting on my credit report. This is my last attempt to get you to remove this charge off that has caused emotional damage etc. to me. You are to remove this account 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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 refinanced my mortgage with XXXX XXXX  company in XXXX. They placed the account with XXXXXXXX XXXX XXXX XXXX  which is their collection dept. I paid this mortgage off, XX/XX/XXXX. My payments were never delinquent, but because they placed it in the collection department its a negatively impacts my credit score

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 2022-01-30
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: Public record information inaccurate

Complaint:
The debt collector XXXX XXXX XXXX, reports two collections as open, loan account types with the balances and past due amounts of {$2000.00} and {$2200.00}. I disputed the accounts online XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed the inaccuracies with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX XXXX by certified USPS mail XX/XX/XXXX XX/XX/XXXX. I requested validation of the alleged loan they contacted my mother about. I responded I asked the debt collector to cease and desist because they could not validate the request for complete or accurate information after 45 days. XXXX XXXX XXXX continued to update all of my credit reports with the two loan balances beginning from XX/XX/XXXX to all credit reporting agencies saying the consumer disagreed. During the dispute the items were not removed. on XX/XX/XXXX, and every month the same inaccurate unverified information is updated. Each dispute I submit has came back verified. XXXX deleted the account approximately XX/XX/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 2021-05-07
Company: Phoenix Financial Services LLC
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:
This Cfpb complaint is a request to help me remove the account does not supposed to be in my credit report. A collection company is still continuously reporting this account in my credit report. Please be informed that this case is considered as debt parking because the same original company and balance has been on and off my credit report. The original creditor of the account I am disputing is from XXXX XXXX XXXX XXXX XXXX for the balance of {$550.00} this was reported before in collection company XXXX XXXX XXXX on XX/XX/XXXX. During that time I disputed this account directly to XXXX XXXXXXXX XXXX and 3 credit bureaus. I even requested validation of debt because I am even familiar I am sure that I do not owe them anything. And after few months of disputing this account this was eventually removed XX/XX/XXXX. I believe that because they lack information and validation to prove that I owe this was removed. However, as review all of the accounts reporting in my credit report on the same XX/XX/XXXX report this is now reporting in other collection company PHOENIX FINANCIAL SERVICE. I confirm that this is he same account because of the balance and the original creditor. This is plain and clear debt parking concern. This debt from XXXX XXXX XXXX XXXX XXXX is on and off my credit report and being reporting in different companies. This is negative information that should not be in my credit file ever since. If XXXX XXXX XXXX give up and removed this account in my credit file due to lack substantial evidence then I need PHOENIX FINANCIAL SERVICE to remove this account as well in my credit report. This account has been affecting my credit score. All the credit bureaus has been reporting this account without making the collections company responsible with the accuracy of their report. It is almost a year that I am suffering for this inaccurate report. Please completely cease the reporting of this account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
These are unauthorized inquiries XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, which I have not approved or given written permission to furnish in 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 2023-05-11
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: Account status incorrect

Complaint:
My name Is XXXX XXXX. I have filed for a XXXX rehabilitation program and completed the program. According to the agreement, they were suppose to remove every derogatory and negative items on my reports for that account. I have submitted the information to XXXX and they honored it and removed it but Transunion is failing to do the same.

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 2022-06-16
Company: WELLS FARGO & COMPANY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.v

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX  ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
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 explanation
Consumer complaint received 2023-09-12
Company: Possible Financial Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to Possible Financial regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. Possible Financial Inc reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed Possible Financial Inc XXXX XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation