BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: KY
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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 am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the XXXX and TransUnion Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX, XXXX. XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : - XXXXXXXX XXXXXXXX Balance : - XXXX XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : 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 2020-06-17
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XX/XX/2020 a currency transfer of {$50000.00} was sent by XXXX of XXXX. XXXX to Citibank. New York These funds were acknowledged as arriving on XXXX XX/XX/2020. Please see part of the Transfer Confirmation attached. 'Transfer Confirmation - Funded XX/XX/2020 - Transfer number # XXXX - Limited sender details XXXX XXXX XXXX XXXX XXXX XXXX Transfer overview Amount paid by XXXX XXXX XXXX {$50000.00} USD and ultimately sent via Citibank to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Citibank transfer details as follows : - Routing No. - XXXX. - Bank account number - XXXX. Checking Address - XXXX XXXX XXXX. - New York, XXXX, United States The official document is attached. Having checked with XXXX  they advised the following : - after checking the details of the transfer as sent to CitiBank on XXXX XX/XX/2020, I checked your transfer number XXXX for the amount XXXX USD and I can confirm that this transfer is complete from our side as the money was sent to the recipient details that you provided. However, after double checking the recipient details, I found some differences in the account number and the account holder 's name that were provided while making the transfer. However under normal protocol, if there are mistakes with the details of the intended account, then the funds should be returned to the sender - XXXX. My complaint is that the money was not returned and after 17 days the money is still being held by citibank but they are denying having the money.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam : PLEASE HAVE THE FOLLOWING accounts deleted due it was someone else name put on my credit XXXX XXXX is NOT MY NAME and her account was on my credit. 
Please delete the following accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-03-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have written letters and sent them certified for years asking that Equifax correct my name 's spelling. This has affected me tremendously for years. I just learned that I could file a complaint with your agency to get assistance in resolving this matter. 

My name is XXXX XXXX. " Not XXXX XXXX '', which is currently reflected on my Equifax credit report. There are also accounts that are attached to that name that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: LOBEL FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The information is credit report is inaccurate information. The address is incorrect, the dates are also incorrect. Someone has compromised my ID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-08-16
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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 am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the XXXX and XXXX Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : 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 2023-08-16
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-07-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-16
Company: Chime Financial Inc
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I recieved security text messages from Chime informing me that my card was being used in transactions at a XXXX in XXXX California, & I was asked in the text message whether or not it was me that was trying to do those transactions. I said no & I received a text back stating that the transactions were blocked. However, Chime still allowed those transactions to go through & the scammer that was using my information at the XXXX in California was able to make those transactions successfully. I tried to dispute the transactions immediately but they were pending & I couldnt dispute them. I called the specific XXXX in XXXX California to let them know that someone fraudulently used my card information at their gas station & they wrote down my information & told me to dispute it with my bank because The XXXX was on vacation. Finally was able to file a dispute this morning once the fraud settled in my account. I need supporting documents or video footage of the fraudulently person using my card information so that I can speed up the dispute process. Im out of {$120.00} that I really needed. My name is XXXX XXXX, I live in XXXX Alabama. Literally the last transaction THAT I MADE MYSELF a few hours before the fraud happened was at a raceway gas station in XXXX Alabama, which is over XXXX miles away from California. 
The Fraudulent transactions happened at the XXXX on XXXX XXXX XXXX XXXX California. My bank is Through Chime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Professional Debt Mediation, 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:
XXXX, XXXX, and PROFESSIONAL DEBT MEDIATION are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with PROFESSIONAL DEBT MEDIATION, they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want the inquiries gone. I have an extensive and well maintained credit history, with plenty of income and I cant get approved for a XXXX thing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, LA XXXX XXXX L XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called today at XXXX eastern US time and spoke to a customer service agent names XXXX. I explained I was a Victim of their Inquiry issue. I explained that I wanted All inquires up to the start of 2018 removed from my report as my faith in them is now shaken as a credit reporting agency. The inquiry glitch was them removing millions of peoples inquires and then violating the FCRA and re-adding them without notifying each person within five business days. He informed me that they were not willing to resolve the issue.

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 2022-03-12
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:
I noticed a few accounts on my report I do not recognize

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 2019-08-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax does not allow me to place a credit freeze online. Instead refers me to a phone number where the agent says there is " not enough information '' on my credit file to place a freeze.

Company response to consumer: Closed with explanation