BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was alerted by credit karma of a account showing past due. upon looking into the alert I noticed a account with opploans. I did not open give permission to open or have any knowledge of this account. a complaint with the FTC has been filed and communication with the company results in me being hung up on. after review the company oppsloans did not pull my credit as there is no inquiry shown had this been done it would have shown I'm a victim of identity theft and they should not open any accounts in my name. this company clearly does not adhere to the FCRA federal rules and demands payment for an account I did not open.

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 2020-03-31
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Credit card was falsely opened iam opening this complaint today on that behalf my credit has gone down to roughly XXXX because of this fraud, it started in XXXX and has been going on since my credit hasnt stopped going down I need help resolving this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Credit Karma, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Credit Karma froze my account I have a balance of XXXX in my account I have tried several times to get in contact with them and I was told that a team would reach out to me via email because they dont have a phone number they will not tell me why my account is froze nor when will someone be contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashiers check at Chase bank and I tried to make a domestic wire to a crypto exchange to make interest on the money prior to me using it for home improvements. The money in my account was from a loan I was approved for and now they have suspended the account and are holding the mon

ey for 20 business days. I have to make a loan payment on this money in less than 30 days. And I am not sure if my money will be released from Chase bank in time to make payment. Chase bank should have to pay my loan interest if their holding my funds up until the time the loan is due. How is this considered banking and are they making money by holding my funds for 20
business days. Please release my funds their not your funds Chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Stallings Financial Group, 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:
There is a debt from Stallings Financial Group listed on my credit report that I have disputed to get removed as collector is unable to provide proof of validation. The ladies that answered the phone at this office was very rude to my sister when I authorized her to handle the situation due to me being ill. If Stallings Financial Group can not provide the following validation below ; this debt needs to be removed from my credit report : **Provide an explanation of what this alleged account is for. 

**A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

**Documentation showing I agreed to pay this alleged debt. 

XXXX*The Agreement that grants Stallings Financial Group the authority to collect on this alleged debt. 

**A copy of Stallings Financial Groups state license ; including license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XXXX XXXX XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/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 2023-03-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2022-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called 15+ times, spent hours just asking them to give me my XXXX XXXX XXXX flyer account number that Chase assigned to me and where they transferred miles. They have no record, and no one was able to provide me the number. 

XXXX XXXX says they have no account with my name or no record of Chase sending my miles. 

For recent enquiries, they say now since they closed the account, they can not look up the account. My initial calls were while the account is still active. 

It is ridiculous for a financial company simply saying they transferred miles but can't tell which account they transferred or no trail. Do they accept if the customer says I made a payment, but I can not show trail or proof. 

I am attaching the scanned communication and relevant documentation and their latest unrelated response to my question here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX 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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account listed below continues to report late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several times in the last 3 years I have communicated and spoken with representatives of the XXXX XXXX XXXX organization. I signed a contract with them to pay my debt to American Express for less than I owed. They continued to negotiate with American Express on behalf of me to settle a debt as American Express would not negotiate any less. I could only afford {$640.00} per month no matter what was negotiated. I am a XXXX XXXX XXXX XXXX  women with limited XXXX XXXX  and XXXX. During that time they allowed me to be summons to court. They found a local attorney to represent me. Unfortunately they also negotiated another agreement with XXXX XXXX  XXXX ( attorneys for American Express ) which I also signed. At the time I did not understand that this agreement would have me paying approximately {$10000.00} more than my original debt to American Express! I know ignorance is no excuse. I always told them my intention was always to pay my debt that was due. I thought they had my best interests while negotiating on my behalf. I was wrong. When I realized the mistake, I terminated my contract with XXXX XXXX XXXX and contacted XXXXXXXX XXXX XXXX  myself. They were reasonable and agreed to settle for 50 % of what I still owed. As a result of working with XXXX, I will still be paying approximately {$3000.00} more than my original debt to American Express, which was XXXX. I have no other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed the ownership of debt that LVNV is claiming that I owe however as of to date LVNV has failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. LVNV is not able to provide his documentation and as such is trying to collect on a date from that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-03-31
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: Information belongs to someone else

Complaint:
SEVERAL CREDIT CARDS, BANK ACCOUNTS, LOANS WAS APPLIED FOR USING MY PERSONAL INFORMATION I DID NOT GIVE ANY CONSENT TO ANYONE TO USE MY INFORMATION THESE ACCOUNTS WERE OPEN UP FRAUDULENTLYI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan With Fifth Third Bank I never made a late payment in my life not by them not by any of my credit cards or car loans. 

In 2022 I signed up for a COVID forbearance program that I was not supposed to make payments and I was told that it would not affect my credit score in any way when I started making payments again fifth Third Bank reported four late payments all of them 120 days late to the credit bureaus this is wrong I would never sign up for any program that will wound my credit I reached out to them several times but they didn't do anything about it and my credit is still ruined because of this. 

Please help me to figure this out with them they should fix it on my credit report and remove the four late payments XXXX XXXX XXXX XXXX of 2022 Thanks

Company response to consumer: Closed with explanation