BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-11-07
Company: Experian Information Solutions Inc.
State: OK
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following items : 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 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 2023-05-17
Company: Experian Information Solutions Inc.
State: TN
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 continuously been trying to dispute the items on my credit report for the last 8 months. Each time the accounts are coming back as verified. Before my last attempt, I uploaded my credit report to the three reporting agencies showing them the inaccuracies in the report and yet again the supported documents have been ignored. This last time I asked for a method of verification and again this information has been ignored. The CFPB is supposed to step in when things of this nature are not being handled accordingly.I know for a fact that according to the FCRA that my report is supposed to display the maximum capacity of accuracy across the board and it is not. I recently faxed over a MOV letter asking them to prove to me that since they are the ones who are reporting the information to provide me with how exactly their investigation goes when a consumer is disputing the information. Again ignored. Yet, I am supposed to just suffer because they are not doing their due diligence in making sure that the information they are reporting is 100 % accurate Then it was brought to my attention that a CFPB employee sent over a quarter of a XXXX consumer personal information to his personal email account. Yet no one is talking bout that. How am I supposed to trust what I am submitting to correct information when there is constant fraud being handled behind closed doors? I want these accounts deleted immediately if I can not receive the METHOD OF VERIFICATION FOR WHICH THE ACCOUNTS BEING DISPUTED ARE BEING VERIFIED. i ALSO WANT THESE ACCOUNT DELETED FOR THE REASON DUE TO THE CFPB BREACH AND THIS IS A VIOLATION OF 15 USC 1681

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 2020-05-26
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:
I went to XXXX XXXX XXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.

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 2023-06-11
Company: Global Lending Services LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Global Lending Service a letter to explain a repossession account they have placed on my credit file. 

In their response, they sent me a contract with the name " XXXX ''. That is not my name with an address that I have never lived at in XXXX. My name is XXXX and I live in XXXX. 

This also shows that it's a repossession, however there is no other documents in this response showing a transaction/payment history, a repossession notice etc. 

Ive included the contract with the information that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This issue appears to be a privacy violation and may be related to identity theft. I received the following email from Chase Bank : Dear Customer, Our records indicate that you may have recently changed your mobile service provider or mobile phone number. As a result, Chase services that use this mobile number ( such as text banking, text alerts, Chase XXXX etc. ) may have been disabled. 

To continue using these services, please sign in to www.Chase.com to reenroll your mobile number or provide your new number. 

Thank you for being a valued Chase customer. 

I would like to know WHY Chase Bank has infomation about my phone service, for what permissible purpose did they obtain information about my phone service, and from what source Chase Bank obtained information about my phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some 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 that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$59000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$26000.00}

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 explanation
Consumer complaint received 2022-10-03
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:
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 from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.

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
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: GA
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 submitted my request to remove information on my credit report due to identity theft, but your company stated that such information doesn't appear in my credit. 
However it is still there, a copy of your response and a copy of my credit report is attached to this complaint. 
Please remove these items from my credit report intermediately.

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 2018-09-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX  has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX XXXX XXXX XXXX XXXX XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-03-26
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:
I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was incarcerated from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.

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 2022-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I applied for the Citi Custom Cash credit card directly through the Citibank website ( as I feel it's more secure that way ) after seeing an advertisement for it on XXXX XXXX. The advertisement on XXXX XXXX read and still reads that you will receive {$300.00} worth of points after spending {$1000.00} in the first three months. I reasonably assumed this would be the same offer I would receive after applying directly through the Citibank website. After being approved and receiving the card, I found out that Citibank had changed the terms of what they had shown in their advertisement and reduced the promotion to only {$200.00} worth of points after spending {$750.00} in the first three months. I chatted with and called Citi support and was told nothing could be done to change the promotion to the one which was shown in the advertisement for no reason except that they're " unable to. '' I even elevated my request to a supervisor and was told the same thing. This is a classic bait-and-switch and Citi should be disciplined for this, especially since they are refusing to make good on their advertisement.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: OK
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 noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on Experian as an auto loan and not an installment account. The balance is showing {$3600.00} on XXXX and {$3600.00} on Experian and XXXX. The terms are 51 months on Experian, but monthly on XXXX and XXXX. It was last reported on three different dates, XX/XX/XXXX with XXXX, XX/XX/XXXX with Experian, and XX/XX/XXXX on XXXX. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on XXXX, XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. There is also an inconsistency with the way the comments on the account are placed between XXXX and XXXX. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from one creditor, then why are all three credit bureaus reporting something different? Please delete this account from my XXXX, Experian, and XXXX credit reports for inaccurate and unfair reporting.

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 2023-06-11
Company: T.S. Holdings
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data sent me a letter claiming that I owed {$3700.00} on XXXX I sent a verified letter disputing the debt. The debt was Purchased from a current company owning an apartment complex I used to live in. I never rented from this company, the building was sold to this company after I moved out. I never owed any money to my previous complex before I moved out. This debt is also from the year XXXX, and I was only contacted this past XXXX, I have never been contacted before then. In the letter I sent, I asked for the company to verify the debt and they didn't send me anything back. They did not send disclosure or info about verification. They also did not mark on credit report as that this was disputed. These are violations of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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:
Thank you for the deletion, i am forever grateful as a reporting XXXX XXXX XXXX on my credit was taken a burden on my eligibility to obtain credit, get proper housing, proper transportation

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 2023-01-26
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My daughter purchased the prepaid gift card online in XX/XX/XXXX and gave it to me on XX/XX/XXXX. On XX/XX/XXXX, I accessed the card online to confirm the {$500.00} balance prior to its first use. The balance remaining was {$1.00} due to its fraudulent cashing at a XXXX in California. I notified XXXX and submitted dispute packet # XXXX on XX/XX/XXXX. I was told that I would have to wail up to XXXX weeks before I would receive a response. On XX/XX/XXXX, I received an email and its attached letter stating that I would be receiving a replacement card. After waiting over two weeks, I started making follow-up calls. On XX/XX/XXXX, I was told I would be the replacement card by XX/XX/XXXX. The card has never arrived at my mailing address ( residence ). 

I have since made 8 additional follow-up calls and always told that the replacement card will be arriving in anywhere from 1 to 10 weeks time. Every time I call I wait on hold from 20 to 40 minutes before I get to speak to a customer service representative. My last call was XX/XX/XXXX and I still have not received the replacement card. I believe this is either a scam or a totally incompetent company, the effect is the same they are stealing their customer 's money. 

ps : Just called them again, after waiting 40 minutes to talk to " XXXX '', after identifying myself the call was " dropped ''!

Company response to consumer: Closed with explanation