BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
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:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-12
Company: Experian Information Solutions 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:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2017-07-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I 've already filed a complaint with XXXX and according to my latest credit report, they did NOT change the incorrect information. The Home Equity Loan was not included in my bankruptcy but rather XXXX  failed to complete the loan paperwork correctly and therefore the loan was discontinued and written off. They removed this item from my husband, XXXX XXXX XXXX Credit Report already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
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: Information belongs to someone else

Complaint:
Multiple hard inquiries not recognized on my account- Contacted XXXX XX/XX/XXXX and XX/XX/XXXX and they advised they will not remove. I have been reviewing my credit report due to other errors and noticed these so i wanted to clear them up as soon as possible. I had advised them after research I became aware that they had a " inquiry breach '' within the past two years and they would not acknowledge it. These were recognized or authorized. 

Inquiries I requested to be removed : XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-03-12
Company: EQUIFAX, 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:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$28000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$12000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$7900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX has been completely unresponsive since XX/XX/2023 when they unauthorized a transaction out of my checking account. They closed everybody 's accounts without warning and pulled my entire balance from my card. I filed a dispute with my bank on XX/XX/XXXX, and they were able to stop the payment and refund my money. I attached a document from my bank ( XXXX ) that they did a thorough investigation of this company and realized that my complaint/claim was legitimate so they allowed me to keep the temporary credit they provided for me. I know thousands of people have tried contacting XXXX XXXX 's customer service, including myself. I legit have either called or emailed their collections department, or their customer service department XXXX times. I attached the email showing that my card would no longer work. This company is a bunch of crooks. Luckily, they do not owe me any money. However, I know of people who they owe thousands of dollars and all they get is an automated email response. When you call this company, it is an automated message that states " No customer service agents are available at this time. '' I've called several times at different times of the day, and different days of the week. It's been the same story. 

Moral of the story is, I do not want my credit report negatively affected. I already have a dispute filed through experian, but I want to take the next step in order to protect myself further. Please help me, I can not afford my credit score to be impacted.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: PA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2019-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called at least 6 times in 1 week trying to find out why my mortgage lender is not able to pull my credit report through Equifax. No problem with the other 2 bureaus only this one. They keep assuring me that my account shows nothing wrong with it but we still cant pull the report. My husband is having the same issue. Noone tries to help figure this out to help us. I verified the addresses on file because this is the message stating that the address is the issue but the address that was verified with me is the exact address that the lender is using. I am trying to purchase a home because my lease is up in 30  days and I have to deal with this XXXX from this company. They are really keeping me from being able to get a house. I am looking into legal action against this company if we have no place to live because of this. Its ridiculous that creditors that I authorize to run my credit cant do so. Please fix the system now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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 disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please remove these accounts 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 2023-04-20
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 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 2021-10-21
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX business checking : account name : XXXX XXXX Account number XXXX Routing number XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Detailed explanation of the issue : I opened a business checking account with Chase Bank, as a sole proprietorship using my own name ( XXXX XXXX ). On XX/XX/2021, Chase closed my account. At that time, the account had a balance of {$14000.00}. I was not able to access this money. It has been 2 months since ; I came to the bank in person to inquire why the {$14000.00} was not returned to me. Chase told me that this amount was returned to a XXXX account on XX/XX/2021, however, XXXX stated that they never received this amount, since the XXXX account was closed on XX/XX/2021, before the date that Chase claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Accounts below have 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 States a consumer reporting agency can not furnish an account without my written instructions. 
Account # XXXX... 
Account # XXXX... 
Account # XXXX Account # XXXX Account # XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a Capital One 360 Account for over 3 years. Capital One 360 Accounts are online accounts that are advertised as " no fee '' accounts. 
When a member wants to make a remote deposit via their cell phone, the check amount must be entered when depositing a check. If the check is not even and has cents, a member can not enter cents. So for instance, if the check is for {$50.00}, the member must either enter {$50.00} in the 'deposit amount ' area or {$51.00}. If the cents is {$0.00} or greater, historically I have rounded the check amount up. If the cents amount is {$0.00} or less, historically I have entered the check amount as equivalent to the dollar amount and would not round up. So in XX/XX/2021, Capital One held a check that I deposited remotely and claimed that I entered an incorrect check amount. 
No one can enter the correct check amount because cents can not be entered. 
I am requesting an investigation into the Capital One 360 check deposit bank practices as their withholding of my check caused me to incur late fees for a bill that I attempted to pay. 
I had recently reported Capital One for other unjust practices just a month prior and I believe that I was retaliated against and this was why my check was withheld. There was no other reason for my check to be withheld other than retaliation. Historically I had always entered remote deposits that way. After over 3 years, why the sudden change?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is violating my federally protective rights accordance to the FCRA. I reached out multiple times via phone, mail and cfpb, for months about inquiries I did not authorize nor did they have my written instructions nor permissible purpose and Transunion failed to dispute or investigate inaccurate, false the information. There are several of the same inquiries which makes no since. I provided a FTC report and they said they do not accept those which will be in violation of 15 USC 1681. Provide me with the Method of the verification letter stating the method used to determine the accuracy and all documents and full proof including every employee contact information, that you received on behalf of the following inquiries. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  ( XX/XX/2022 ) 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