BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  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 non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, 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 am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

I have attach any supporting documents, such as copies of dispute letters, responses from the creditors, or other relevant correspondence. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. I am asking for your immediate assistance to remove the fraud 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: V and H Portfolio
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: Old information reappears or never goes away

Complaint:
Debt collector has re-aged a older account, Date of delinquency from original creditor who reported the date of first delinquency by years account was from 2015 they reported new open account for XXXX XXXX able to have removed of XXXX an XXXX but not XXXX, not sure if I should upload files here because it contains personal information Name of creditor is XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently discovered that my credit file has been used to obtain accounts fraudulently without my permission at the following companies : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX Are you the original creditor? 
Have you given the debtor the opportunity to review the original contract? 
Have you validated the home address for the debtor? 
Have you complied with all FRCA and FDCP and FDCPA laws? 
Have you reported to the consumer who all has reviewed the original contract Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?

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: NV
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:
XXXX XXXX XXXX  is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I have sent 2 letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.

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: AMERICAN EXPRESS COMPANY
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:
I have the bank account with the XXXX XXXX bank. In 2017 I received the promotional offer for the XXXX XXXX American Express Credit Card, and I applied for it. On XX/XX/2017 my application was approved, and I got e-mail confirmation about this. 

When I got this card in the mail and activated it online, as a part of the activation process I got online the promotional offer for 10 % cash back for the payments for the service of the Internet providers. This promotion did not say clearly, if it is from American Express or from XXXX XXXX. I clicked " Yes '' button and agreed with this promotion. Unfortunately, my printer failed to print this promotion, so now I have no evidence of it. However, I immediately set up autopay for my XXXX Internet service to this credit card and since that time, significant total amount of the monthly service fee for the Internet was charged to this credit card. 
However, nobody ever gave me the promised cash back according to this promotion. When I contacted both American Express and XXXX XXXX, none of them was aware of such promotion and none of them was able to find anything about such promotion. Customer services of both banks bonce me between them and totally unqualified for their job customer relations representatives in both banks extremely plausibly pretended to be the total XXXX. I wasted many hours of my life, calling them and writing them messages regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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 don't want these accounts in my report, they are directly affecting me and they are not mine. 

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 2023-09-21
Company: EQUIFAX, 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:
Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent inquiries on my XXXX XXXX credit report THERE ARE XXXX  XXXX XXXXXXXX INQUIRIES And XXXX XXXX XXXX XXXX  service inquiry DATED FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had multiple overdraft charges at times over XXXX. I closed my account after multiple calls overdrafts nsf fees.

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 2022-12-15
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
My father sent two international wire transfers to my bank account for which the whole amount was not received. He transferred the money from XXXX to XXXX XXXX  XXXX XXXX and JB Morgan Chase Bank was the beneficiary bank. JB Morgan Chase changed the currency from US dollars to XXXX Dollars and afterwards it was converted again to US dollars due to which I lost XXXX USD in two transactions. The 1st wire was received in at the XXXX XXXX  XXXX XXXX on XXXX of XX/XX/2022. The 2nd wire was received on XX/XX/2022. Assistant bank manager of XXXX has already complained to JP Morgan Chase bank and they have admitted it is a mistake on their end but they are not compensating me for my loss. The complain reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

( Reported False Collections ) XXXX XXXX XXXX 
Last reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account name : XXXX Address:XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account name : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Account name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) 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 man 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

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: CCS Financial Services, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There were inquiries fraudulently being placed on my account without recognition and without my consent. 

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or about XX/XX/2023, I tried to get a copy of my Transunion credit report from the Transunion site. I received an error saying they could not get my report. Then I tried on XXXX and again, I could not get my Transunion credit report. 

I called Transunion and spoke with a customer service rep who told me my credit report is " mixed '' and that someone would call me within 3 days to correct the situation and provide a report. I also was given a XXXX number : XXXX. I have not received any phone calls so I can access my 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 2022-11-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Best buy refuses to grant me entry to their website to set up automatic payments and their call center supervisors are very rude and don't help. I just want to set up recurring payments.

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