BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has failed to exercise its grave responsibilities to report with fairness, impartiality, and respect for the consumer XXXX XXXX right to privacy, On XXXX XXXX XXXX manually disputed USBK COURT XXXX XXXX Docket number XXXX. On your website https : //www.service.transunion.com it states to learn the identity of the third-party vendor ( if any ) that collected the public record item ( s ) in this section, please visit https : //www.transunion.com/legal/public-records. I visited the site and it states in Bold Black letter Public Records. In the paragraph following it states that TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. 

On XX/XX/2023, I received dispute results from XXXX dates XX/XX/, it states in detail that XXXX filed my dispute regarding the following data with this listed entity. The listed entity the dispute was filed with being TransUnion Consumer Relations. The letter also stated as of the date of this letter XXXX has removed the dispute information from my file. 

However, TransUnion is STILL reporting a Bankruptcy on my consumer file. On TransUnions website, it states that XXXX provides TransUnion with this information about bankruptcy. 
XXXX has disputed the bankruptcy with TransUnion informing TransUnion that Bankruptcy XXXX has been deleted and TransUnion continues to respond stating that, Bankruptcy XXXX has been verified as accurate. How? 

If the FCRA states that credit reporting agencies must report with fairness, impartiality and respect for the consumer rights, and TransUnion states that they obtain information from XXXX this is proof that this account should be blocked, deleted, and removed. Who is TransUnion verifying this Bankruptcy with? Themselves? XXXX has stated its been removed. 
Bankruptcy XXXX is reporting inaccurately and needs to be DELETED from XXXX XXXX consumer file. I am also aware that TransUnion MUST report fair and accurate reporting amongst ALL THREE BUREAUS. XXXX and XXXX have BOTH deleted Bankruptcy XXXX and updated my consumer credit report please see attached documentation. I am demanding TransUnion to block, delete, and remove this bankruptcy. This is my last step before filing a Complaint for violating the law in federal court. 


Public Records USBK COURT XXXX XXXX Docket # 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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XXXX XX/XX/2022 I sent certified letters to all XXXX XXXX XXXX agencies as well as the collection agency, XXXX XXXX, in XXXX, OH and University XXXX that placed a {$210.00} unpaid bill for collection on My accounts. I included XXXX pages of documentation proving that I was not responsible for the unpaid bill and OPTUM acting for the XXXX XXXX specifically stated as such in this documentation. XXXX is authorized to act for the XXXX. Furthermore, the bill went unpaid because the hospital did not seek re-embursement within the required XXXX  day window, perhaps because of the start of XXXX? There are numerous other inaccuracies on My accounts which I detail in each letter. 

In reply letters, XXXX resolved the issues, however, XXXX and Transunion refuse to take the necessary action to resolve the situation despite a follow-up phone call directly from Me. I can not waste any further time with these unresponsive agencies. I must have the inaccuracies rectified in order to access My eBenefits account with the XXXX. which uses ID.Me to verify My identity using information directly from My Credit Report. 

All the pertinent details are included in the letters I sent to these credit agencies on XXXX XX/XX/2022.

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NC
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:
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 I received an email that Experian was investigating a dispute & on XX/XX/2023 its was complete no change. Upon calling the company I disputed they informed me there was no correspondence with Experian! 

15 U.S. code 1681 ( e ) b and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The Fair Credit Reporting Act states that the reporting of my credit has to be 100 % correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate you making the effort to delete some of the data on my credit report, but there are still accounts that need to be removed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be discarded as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-01
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has failed to exercise its grave responsibilities to report with fairness, impartiality, and respect for the consumer XXXX XXXX right to privacy, On XXXX XXXX XXXX manually disputed USBK COURT XXXX XXXX  Docket number XXXX. On your website https : //www.service.transunion.com it states to learn the identity of the third-party vendor ( if any ) that collected the public record item ( s ) in this section, please visit https : //www.transunion.com/legal/public-records. I visited the site and it states in Bold Black letter Public Records. In the paragraph following it states that TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. 

On XX/XX/2023, I received dispute results from XXXX dates XX/XX/2023, it states in detail that XXXX filed my dispute regarding the following data with this listed entity. The listed entity the dispute was filed with being TransUnion Consumer Relations. The letter also stated as of the date of this letter XXXX has removed the dispute information from my file. 

However, TransUnion is STILL reporting a Bankruptcy on my consumer file. On TransUnions website, it states that XXXX provides TransUnion with this information about bankruptcy. 
XXXX has disputed the bankruptcy with TransUnion informing TransUnion that Bankruptcy XXXX has been deleted and TransUnion continues to respond stating that, Bankruptcy XXXX has been verified as accurate. How? 

If the FCRA states that credit reporting agencies must report with fairness, impartiality and respect for the consumer rights, and TransUnion states that they obtain information from XXXX this is proof that this account should be blocked, deleted, and removed. Who is TransUnion verifying this Bankruptcy with? Themselves? XXXX has stated its been removed. 
Bankruptcy XXXX is reporting inaccurately and needs to be DELETED from XXXX XXXX consumer file. I am also aware that TransUnion MUST report fair and accurate reporting amongst ALL THREE BUREAUS. XXXX and XXXX have BOTH deleted Bankruptcy XXXX and updated my consumer credit report please see attached documentation. I am demanding TransUnion to block, delete, and remove this bankruptcy. This is my last step before filing a Complaint for violating the law in federal court. 


Public Records USBK COURT XXXX XXXX  Docket # 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 2022-06-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business online freelancing since 2019. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-07-21
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: Account status incorrect

Complaint:
I recently reviewed my credit file and unfortunately found that some of unauthorized inquiry was reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the unauthorized inquiry from my credit file within the next 15 days. 
XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit 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:
Card was locked, thus no transactions should have posted. $ XXXX in charges occurred. I said the card was blocked and thus their error. 
They are saying they were recurring but are not. This means their way of locking a card is to close it. There are no disclosures.

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NJ
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:
They are reporting multiple fraudulent trade lines on my account. I am entitled to a credit report with maximum accuracy so when I disputed this fraudulent Information they validated the debt as accurate illegally. Debt validation can not just be the original creditor telling them yes its their debt. This agency essentially with NO evidence validated fraudulent debt. Every-time this fraudulent debt is Verified as accurate which it is not a dispute will be filed with no exceptions. I have contacted an attorney and have been advised to file this report and dispute again. Failure to correct my report will result in a lawsuit for damages.

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 2023-09-18
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
since XXXX XXXX My feeling bad, i have XXXX XXXX so I have to go to hospital, the name of the hospital was XXXX XXXX XXXX  When I went there I showed the employees who got all my information in the computer my Med-Cal , after a few hours i was released. Until XX/XX/2023 I checked my credit report and saw a collection consultant where they asked for {$3200.00} ( XXXX XXXX XXXX ), I spoke to the collection company ( supervisor name is XXXX ) I explained to them and emailed my Med-Cal and all information need to proved on that time I had med-Cal already I disputed to three bureaus unfortunately almost 3 mounts waited my time I tried to contact all bureaus and Collection company but they didn't any responding this is not fair because of hospital mistake I lose my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 never had an XXXX XXXX Credit Card. I have an credit card reporting to my account associated with an address I have never lived. I have disputed this claim numerous times with nth the card issuers and Transunion. The only address on my credit report is my XXXX, NY XXXX. Which is not the account address I've been told is associated with this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: DISCOVER BANK
State: NY
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 or about XX/XX/18, I filed a dispute with Discover Credit Card for a charge of {$3800.00} that XXXX charged to my Discover credit card ; because of damaged and delayed -delivery of merchandise. I was unsuccessful in my attempts to obtain a clear status on shipment of the merchandise.The merchant would not return my calls, or E-mails, and I initiated all contact, and written communication. Therefore, when I finally received the merchandise in multiple shipments, I made arrangement with XXXX and refused delivery and returned damaged and delayed merchandise through XXXX XXXX. 

On XX/XX/18, I received an E-mail letter from Discover regarding my dispute with XXXX : '' We're happy to inform you that XXXX XXXX, XXXX, issued a credit on your Discover card account for the transaction you asked us to investigate. This credit will appear on your next statement. '' Meanwhile, on XX/XX/18, Discover advised me : " We've completed our initial investigation of your disputed transaction and have found in your favor. '' The disputed amount mentioned in this letter is {$3800.00}. 

To my surprise, on XX/XX/18, I received another letter from Discover stating merchant credited my account for {$2000.00}. This amount is short {$1700.00}. Also, Discover, lowered my credit limit, causing an over-the-limit status that they will report to the credit bureaus. This is destroying my credit, and the merchant has my money and the returned merchandise. Discover stated that they have finished their final review. 

I am requesting Discover restore my credit limit to {$7000.00} and continue to pursue the merchant for the remainder of my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AMEX, or their subsequent debt collection agencies, have been pursuing me for debt collection activities, and in so doing, have broken the laws by calling my XXXX mother in Ohio by telephone, requesting information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
U.S. auto sales repossessed my vehicle not even past due. I paid for gap insurance my car was totaled they are still requesting the fees through west lake portfolio. Which is affecting my credit and ability to get a new car.

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) 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