BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 without 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 n 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 us rept but they refused they had me on mute for 4 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-12-22
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Systems International , Inc never notified me in regards to a {$100.00}. medical bill that was placed on my credit reports for collections. When I contacted XXXX  XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative named XXXX he stated I was never billed {$100.00}. I requested to have an invoice sent to me for the {$100.00} bill and as of today I never received an invoice. 

On XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX again in regards to the {$100.00} and the representative informed me they are not able to locate a bill for that amount in their system. I also disputed this with both credit bureaus and they stated the account is valid not sure what that means. I'm not sure if the medical bill is valid because I never received the bill and Credit Systems International , Inc never notified me via mail or via phone. 

However, I did receive a letter from Credit Systems International , Inc in regards to another medical bill for {$330.00} and that bill was paid in full on XX/XX/XXXX with agent XXXX ( XXXX ). Attached are copies of the invoices that I paid in full with Credit Systems International , Inc . 

I'm requesting to have these collections removed from all my credit reports and to send copies of the bill that I never received from XXXX  XXXX XXXX XXXX which will reflect if the {$100.00} is actually my bill or if its a bill that I already paid in full. By law the collection agency is required to notify the consumer before they place collections on their credit report and Credit Systems International , Inc failed to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On Sunday, XX/XX/2021 I went to the ATM of the fifth third branch at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM kept my card and then displayed " This ATM is temporarily out of service ''. 
I went to branch XXXX minutes after it opened the next day to retrieve my card. I was he only person sitting in waiting area to be serviced and now came. I noticed a technician entered the building to repair the ATM ( He announced he was the technician based on the conversation with a teller ). At that point I stood in line, since no one assisted me for the past XXXX minutes while sitting down. Waited another XXXX minutes when there were XXXX tellers and XXXX customer. Finally a teller by the name of XXXX asked how she could help. I gave her my drivers license I.D . and informed her that their ATM kept my card yesterday and I was here to retrieve it. She asked " was it a fifth third card? ' I said " no but I've used this card at fifth third ATM 's for the past 8 years with no problem. '' She said " I cut it up. '' I responded " WHY DID YOU DO THAT? '' She said " if it's not a fifth third card, we cut them up because we have no way of identifying who's it is. '' That action reminded me why I closed all my accounts at that bank 20 years ago. On the surface they look good but they are still doing things the same way as years ago. They could have looked at my identification or even called the company to verify my identity. They did not want to. You don't destroy a card ( anything for that matter ) that does not belong to you. Then she had the nerve to suggest me to contact the card maker, as if I didn't have enough since to do that. 
If fifth third was the last bank on planet XXXX, I would not use their so called services. 
Whatever type of resolution or retribution is available ... ... .I want it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Information belongs to someone else

Complaint:
I have disputed an account since 2019, it was deleted by XXXX XXXX, then they sold it to XXXX XXXX all through Transunion and they have not investigated properly even with all the disputes I have done and giving for 3 years. Transunion only reported remains after first deletion. XX/XX/2019. How the same account is accurate and deleted. no other bureau has reported this because its not any evidence or any proof, but same name and same date of birth.

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 2020-01-17
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/2020 from I.C. System, Inc claiming to collect a debt of {$67.00} from XXXX XXXX XXXX that does not exist. I have contacted XXXX XXXX XXXX and they have confirmed that a XXXX  balance exists. I would like I.C. System to stop harassing me over a debt that does not exist.

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 2023-02-16
Company: EQUIFAX, INC.
State: NC
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 a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: Factor Trust
State: TN
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:
What language is being used regarding such Corporations? Is it XXXX XXXX, XXXX Manual of Styles or XXXX XXXX XXXX? 

In reference to claim number XXXX submitted to the consumer financial protection bureau provide proof the this company is in fact in the business of purchasing securities. Theres no such thing as finding lenders to give the Natural Living Man the credit that he deserves when hes who extends credit to corporations. Man has the security interest in the promissory note which is owed to him because Corporations are bankrupt under the emergency banking act and have been since XXXX  and pursuant to 18 U.S.C. 8- debts are obligations that employees of the United States Corporation must discharge. Therefore theres no such thing as debt and its Natural Living Man who holds the credits. Theres no lawful money if so than the Corporations must compensate the Natural Living. Corporations have privileges which can only be granted by the Natural Living and Corporations can only deal with other Corporations. Thus why the All Capital Pseudonym was created by employees of a Private Corporations that handles non public information which is being passed around and used by way of the act of conversion which is not only illegal but does not benefit the Natural Living Man whos the beneficiary and number holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yesterday XXXX XXXX it was XXXX XXXX I went too a XXXX ATM too withdraw {$200.00} dollars off my chime card I put my pin in and clicked for the {$200.00} and I never received the money but it took the {$200.00} out of my account, so I tried a second time and it denied me and that was at XXXXXXXX XXXX so I tried a XXXX time at XXXX XXXX and it finally disputed the {$200.00} dollars out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, 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:
There are several accounts being reported as delinquent or as closed acccounts and that information is not accurate. 

these accounts do not belong to me and need to be removed its a clear case of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX These accounts have been disputed numerous of times and these bureaus have failed to remove the inaccuracies, placing a burden in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX '', has inaccurately violated my rights. Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. I applied for this inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the removal date for all should have been XX/XX/XXXX and or before XX/XX/XXXX, It still has not been removed

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is already my fourth time submitting this complaint. I have told you already, I was never late on the accounts mentioned below. These accounts were violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with XXXX section XXXX & are willful noncomplying which is a violation of sections XXXX & XXXX need them to correct their records or be held accountable for their actions. The information is creating great XXXX  & XXXX XXXX and creating me XXXX nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX BANK 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 2019-04-01
Company: PRIMARY RESIDENTIAL MORTGAGE
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was preapproved for a fha mortgage at Primary Residential Mortgage. We went through the approval process providing all information that they asked for, the whole time being told that everything was great and that we could close on our house in as little as 3 weeks. We sold our home intending on downsizing and improving our finances. Through no fault of our own, our previous mortgage holder did not report our house payments to the credit bureaus or correctly apply the payments to our bank statements. That credit union subsequently went under and was taken over by another credit union. The new credit union started to report our payments to the credit bureau on time and with no issues. We only had 8 months of payment history. Under fha guidelines the mortgage company doesn't need a payment history if your credit scores are above 620 which our 's are. We were denied after 45 days and we sold our house, so we were going to be homeless. We talked to another mortgage lender who said there was no way the should've denied us. After working with that lender the denial from the first lender appeared on the fha file and that lender can not ok the mortgage because the first lender reported that the denial was because of unacceptable payment record on previous mortgage even though they only have 8 months of previous payment history that is perfect as reported to the credit bureaus. We applied for the initial mortgage in early XXXX and was denied on XXXX XXXX. I contacted Primary Residential Mortgage several times to get them to correct the denial reason so I can go forward with another fha lender and they refuse and do not care that my family has nowhere to live. Do not ever use Primary Residential Mortgage. They are too big to care about people. They just care above the money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: IL
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:
Experian recommends credit cards that have exorbitant fees and interest rates, under the guise of " improving credit scores '' by " increasing the amount of available credit. '' This gimmick is then marketed to desperate consumers who then find themselves trapped with a card with low credit limits and fees of at least {$100.00} annually, service charges, 29 % + in interest. One such company XXXX XXXX XXXX offers such a card with high fees, and upon a consumer 's request for an increase- they are reminded of the 20 % fee per {$100.00} in additional credit before routinely denying requests. Although consumers make timely payments, they will never maintain the 70/30 recommended credit use ratio- because the fees and interest usually account for 30percent usage alone. 

Experian needs to stop recommending rip-off credit cards, and XXXX XXXX XXXX no longer needs to provide such a deceptive credit product. Consumers credit scores will moreover never increase, and will spend large amounts in fees, interest, and random charges by compaines they trusted because EXPERIAN recommended them.

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 2022-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It has been at least a few years since I was able to access myEquifax, I complained to them by mail and phone in XXXX I made many phone calls, they told me my case was being " escalated '' because it had been so long. After switching me to 3 or 4 people with long delays in between they said problem fixed then said wait XXXX mins and you'll be able to login. This phone call was over XXXX hour wait before I was even able to speak with anyone, And then nothing doesn't work, because the security questions they ask obviously are fraudulent accounts. I know this because I have answered every question properly and then I get a message saying can not verify ID. Very frustrating to go thru all these phone calls and letters and have it go nowhere. I have also mailed back then and over the past few months requesting a printed copy of my report and I still haven't received anything. Equifax is being very negligent here. In XXXX Equifax informed me that my data was one of the files affected by the XXXX data breach and that I was entitled to compensation, however I supplied the necessary documents and I even invoiced them and not only did I receive no funds I also never heard anything back. Starting to think the mistreatment is due to them owing me money. Thank you for your assistance in this matter I would really love to get to the bottom if this and clean up the fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$2000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief