BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 


XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my card shortly after making a monthly payment after saying they couldn't verify my information. They essentially got free money out of me and I feel very dissatisfied with how my account can be closed at will randomly when I did not do anything wrong. This is my only account that was closed out of nowhere and my credit score will take a tumble as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXS 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 2019-10-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Rushmore Loan Management for approximately two years now, in writing, via phone and email. I have filed a XXXX   complaint. 

While they are polite and keep responding to me in kind, they have not addressed the issue. 

There is an amount showing on my monthly bill as " short interest '' in the amount of {$7800.00}. I have requested that they detail how this amount was derived - yet they keep sending me some arbitrary documents ( for example, the loan documents I signed, and some financial pages of transactions - none of which correlate or add up to a short interest amount of {$7800.00}. ) They have written to me again, denying my request to remove this amount from my billing statement, indicating they have " providing the payment history for the life of the loan '' - however - none of the documents they have provided show me specifically when and how I accrued a short interest amount due of {$7800.00}. 

I am very worried and frustrated, and seriously do not know what to do or where to turn. Please help me resolve this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Two year ago my Carnival XXXX XXXX Mastercard was closed by Barclays Bank. On my final payment I overpaid by {$440.00}. I was supposed to receive my overpayment mailed back to me ; They never mailed my overpayment back to me. 
Just recently, I started receiving phone calls and emails from Barclays Bank just for payment. After talking to people at Barclay Bank it turns out they changed my credit to a debt. As it stands now Barclay Bank even added additional late fees and other charges to the account. I'm in the process of refining my properties ; however, I not able to with such a low credit score.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Greetings, CFPB. I am reaching out to you guys today regarding two of the three credit reporting agencies ( Transunion and XXXX ). I also reached out to XXXX and Transunion letting them know that these accounts doesn't belongs to me, but no action was taking by them i really don't know what type of business they're running at XXXX and Transunion, they've just been stalling this for about 2 months and counting now. I am not liable for this debt with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I do not have a contract with them, They did not provided me with the original contract as i requested. This debt collector ( XXXX, also know as XXXX XXXX XXXX XXXX XXXX XXXX, also know as XXXX XXXX XXXX XXXXXXXX ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted all three credit bureaus to investigate inaccurate accounts on my consumer report. The companies say the dispute accounts are verified as accurate but do nothing to prove how they come to this conclusion.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Subject : Dispute of Inaccurate Collection on My Credit Report Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute a collection account XXXX XXXXXXXX amount : {$1700.00} date opened : XX/XX/2023 that appears on my credit report, which I believe is inaccurate and does not belong to me. 

Upon reviewing my credit report, I noticed an entry for a collection account under my name. However, I have no knowledge of this account, and I believe it has been mistakenly associated with my credit profile. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection entry from my credit report. I have attached relevant documentation supporting my claim, including evidence of payments and any other pertinent information. 

I understand the importance of maintaining accurate credit information, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from XXXX TransUnion and XXXX and all other credit reporting agencies

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 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2019-04-02
Company: EQUIFAX, INC.
State: MD
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 XX/XX/2019 I mailed certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX to dispute and the two accounts that appear all three of my credit reports ; XXXX, Equifax, and XXXX. I requested a copy of proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received a letter from them onXX/XX/19 stating that " XXXX XXXX XXXX is the original creditor and not obligated to provide the documentation requested ''. This is a violation of the ( FCPDA ). Please see below information along with my attachments. 

The partial account number is XXXX Reporting amount {$870.00} The partial account number is XXXX Reporting amount {$490.00} Social Security # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2019-10-09
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: Information belongs to someone else

Complaint:
Someone has open fraudulent Account Under My Name that I Did not Authorize

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the 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 explanation
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: TX
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:
I ordered an XXXX Credit Card because it was ADVERTISED as a credit card that would have access to the ultimate rewards center - for travel specifically. 

https : //creditcards.chase.comXXXX XXXX  : " 5 % Cash Back- on travel purchased over the phone through the Chase Travel Center , including flights, hotels and more. '' Since using the card for over two months, I have not been able to access the rewards center to access travel deals. I have attempted to access the center for at least one month. And the center is unavailable on every browser and device. On mobile and computer, there isn't even a " travel '' button in the rewards section of the account through Chase.com. 

With each attempt, I am given an error message that I either have to call customer service or the site is down. This has happened 100 % of the time. This is even with customer service support via phone. I also was not able to use the chat function online on mobile or computer to send messages for this issue- completely ignoring the challenge that I am facing. 

I have not received additional support for this issue and it is clear that Chase will not honor its promotions to its customers for this product. 

https : //www.chase.comXXXX Upon attempting to sign in to the travel center today ( XX/XX/23 ) using the link above, I was given this banner message : " You need a Chase Ultimate Rewards credit card/ You need a Chase Ultimate Rewards credit card to book through Chase Travel. '' This is concrete proof of false advertising. Shared information about the credit card are also given by review sites who reviewed the card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I payed my XXXX XXXX card off in full over the phone on XX/XX/22. On XX/XX/22 they charged me an interest charge. I have talked to the company multiple times. Everyone I speak with says it doesnt make sense and I shouldnt have been charged, yet I am still getting interest compounded due to this fraudulent charge. The last person I spoke with claimed to have removed all interest charges on my account and close my account. A week later I received another bill.

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 2023-03-07
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/23 I purchased a used vehicle from XXXX XXXX dealership. Westlake Financial agreed to finance the {$5100.00} loan. I was told to make my first payment of {$180.00} by XX/XX/23. 

I mailed the payment and then I was told my loan was denied because they could not verify my employment with the State of California ( they refused to call the employment verification number that my human resources provided ) My issue is not with the dealership, XXXX they found me a new lender. My issue is with the original lender, Westlake Financial. 

They kept my payment and told me that since I do not have a loan, I can't get my payment back.

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 2022-12-26
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation