BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
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 received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, XXXX and XXXX to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( XXXX ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXX on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

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 2023-02-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE NO KNOWLEDGE OF THE FOLLOWING INQUIRIES AND HACE FROZEN MY CREDIT FILE ON ALL 3 BUREAS BECAUSE OF THEM. 

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 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My husband I had a lease with XXXX XXXX back in XX/XX/XXXX. My husband passed away in XX/XX/XXXX. I called XXXX to report his passing. I paid off lease, closed account and opened a new lease account with my name only. XXXX XXXX contacted all 3 credit bureaus ( as I couldnt get my credit information as they showed me as being deceased with no access to credit ). XXXX  and XXXX   fixed the issue 2 years ago, and as to date Im still fighting Transunion as there report is still showing Im deceased. ( I pay for credit monitoring and check it frequently ). XXXX XXXX has told me its now out of their hands as they have over and over reported to Transunion that I have my own account and Im not deceased and I need to go through Transunion as they are not doing what they need to do on their end. Again month after month for over 2 years Ive been trying to resolve this issue with Transunion. I was told 2 months ago that this was taken care of and I would start seeing my scores again. I told Transunion I didnt want to make another phone call to them as again Ive been doing month after month for 2 years. I was reassured that I wouldnt have any other issue. I called back again 1 month later ( XX/XX/XXXX ) as still not resolved, then received a letter from Transunion stating deceased. After go round and round with XXXX ( who did change account status on their end ), Transunion ( still giving me run around with no satisfaction ), I have decided to make a complaint against Transunion, and hopefully get this resolved once and for all! 
Again, XXXX  and XXXX  fixes report 2 years ago. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Created account with Chime and transferred just over {$230.00} into the account. 

Logged out of app but could not log back in. 

Accessing Chime by phone app, tablet, and laptop results in infinite loop - I enter required information, complete captcha verification, and receive error code.

Calls to 800 number are unproductive as the number leads to an answering machine that refers me to the app / email. 

Emails are unproductive because they recommend steps and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. I contact email support, they make recommendations again, and advise to send screenshots if problem persists. I follow steps, and receive same error message, which refers me to email support. Another infinite loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Acct # XXXX, has violated my rights. XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 that 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX  and/or XXXXXXXX XXXX XXXX XXXX I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.

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 2018-10-23
Company: Experian Information Solutions Inc.
State: FL
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 was out of the countries for 14 months while I was gone my XXXX XXXX XXXX along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from XXXX and saying I owe almost XXXX I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing

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 2020-07-20
Company: Experian Information Solutions Inc.
State: LA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter and FTC report asking TransUnion, to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - TransUnion have 30 days to investigate and send me the results. 

Transunion did not record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is fraudulently claiming I owe money on 3 loans totally {$6000.00}. I have NEVER done business with this company ; I DO NOT owe them any money ; They REFUSE to stop negatively reporting on all 3 credit bureaus ; They REFUSE to correct my credit report, which is now negative SOLELY because of this fraudulent business! Due to my diligence and vigilance in trying to correct these erroneous errors on my credit reports, this alleged fictitious debt is remaining on my report ( though outdated ) because the clock keeps resetting itself. I have tried everything, short of a lawsuit, to prevent company from continuing to besmirch my reputation and ruin my good name and credit. I am extremely flabbergasted that they are still able to operate as a legal business as it is a known fact that they are fraudulent and have deceptive practices. I am asking for a cease and desist resolution that Navient cease all communications with me ; remove their entries on my credit reports ; and correct all erroneous data on my credit reports expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a mail from Phoenix Financial Services regarding a debt for an ambulance service back in XXXX and threatened to report that to credit reporting agency. I never received a bill for this service and was covered by XXXX XXXX insurance. I requested Phoenix Financial Services to provide proof of debt but did not hear from them since. I believe this is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Vengroff Williams, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 a lady with the last name of XXXX repeated calls harrassment about something that is not true i do not owe them and they continue to call and harrass me daily she called from a XXXX and left a XXXX phone stop the calls i dont owe this scam company any money its turned into trying to plan a robberry at this point

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXXXXXX 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 2022-12-14
Company: FIRST PORTFOLIO SERVICING 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: Information belongs to someone else

Complaint:
Vervent Inc. XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all XXXX bureaus. XXXX deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.

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 2022-11-04
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX in Arizona phone number XXXX contacted me saying I owed a debt to GE money bank for appliances bought in XXXX  that I made payments on for 4 years and suddenly stopped. Said theyre taking me to court and will get a judgment on me to garnish my wages, or I could set up a payment plan. 
I have Never bought appliances in my life nor have I ever heard of GE money bank. 
They knew my address, my social, my DOB

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 2023-05-03
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: Information belongs to someone else

Complaint:
When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

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 2021-09-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed two {$3.00} fees attached to interbank transfers I made. I have transferred funds between these two accounts many times in the past and have never been assessed a fee. When I brought this to the attention of an online rep, I was put on hold for over 10 minutes and then told that she could not help me. I asked for a supervisor to contact me. She asked for my phone number, which I gave her. No one ever called. So, to summarize, I was charged {$6.00} in bogus fees and no one at customer service could reverse them even though the rep admitted that were not appropriate charges. I got stuck on hold for a long time, told I couldn't be helped. It was suggested to me that I go to a branch. I suggested that a supervisor call me which I was promised. No one called. Looking at the amount of complaints from consumers against 5th 3rd, someone ought to step in and give these crooks some negative consequences. It's shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Was not notified of investigation status or results

Complaint:
I have noticed this incorrect item appeared in my report. I don't know how they can validate this information and put it on my file, but this isn't mine. This is negatively affect me and my scores.

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 2022-10-31
Company: EQUIFAX, 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:
negative collections remove now!!! XXXX XXXX acct # XXXX {$7400.00} and XXXX XXXX acct # XXXX {$100.00} These collection payments must be removed asap, These negative medical accounts are also in violation of the Health, Insurance, Portability, Accountability, Act ( HIPPA LAW ) 1996. I have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and i have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: MO
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$6800.00}

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