BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXXXXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score.

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

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 2023-06-28
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX days straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im 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 2022-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with Equifax. 
Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. 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. '' Since the debt is from XXXX, this account has passed the XXXX limit from date of first delinquency ( DOFD ) under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. 

I have provided Equifax a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however Equifax has refused to remove the item. 

I have attached the same documents furnished to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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 n 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 us 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir/ Madam, I am writing to re-dispute two charges on my account in the amount of {$300.00} and {$940.00}.

I did call a chase customer service and I discussed with a  representative her name is XXXX and she was unprofessional, unhelpful and she has an attitude. 
I told her I got a letter from chase asking me to send me additional information before the deadline XX/XX/2020 and she told me sorry sir we closed the case in XXXX favor! Without waiting for my additional information. On XX/XX/2020 I saw a rebill of {$300.00} and {$940.00} posted to my account. 
Can you please close this case in my favor and credit me again those 2 charges? Because I already returned the items to XXXX and Enclosed are copies of : 1.The shipping label that XXXX has provided to me to return the items back. 
2.Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX   location and when they received it and confirmed it on their website on XX/XX/2020. 
3.Screenshot from XXXX  website stated that there was a shipment exception ( Barcode label unreadable and replaced ) on XX/XX/2020. 
4.An email from XXXX on XX/XX/2020 stated that the refund will be on my account within 10 business days.

5.An email from XXXX on XX/XX/2020 asking me to send the screenshot of the tracking details so XXXX can prove that I sent all the items back to them ( Notice : I sent to the XXXX the Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX location ) 6.An email from XXXX on XX/XX/2020 stated that the return was successful, and the refund will take up to four business days to be reflected in my original payment account ( They send me this email after they got my screenshot from XXXX website stated that the weight was 6.3lbs ).

7.An email from XXXX on XX/XX/2020 stated that there will not be any chargeback related to this order XXXX. 

Please investigate this matter and correct the charges as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX XXXX Balance : {$390.00}

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 2022-04-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my complaint is against synchrony bank and involves lowes credit card havertys credit card PayPal credit and synchrony XXXX XXXX XXXX. on or around XXXX XXXX synchrony bank was notified of several accounts I did not open. on or around XXXX I was notified that out of the accounts I disputed only 4 were being deleted for identity theft leaving me with the remaining accounts. I don't know who makes these decisions but this is ridiculous I had filed disputes with all 3 credit bureaus including both a police report and an identity theft affidavit. I believe the law is clearly on my side and synchrony bank should remove these accounts I did not open. I would like to add that I had 3 accounts with synchrony bank that were opened by me that were also closed even though I did not report them as identity theft these accounts were in good standing and were paid on time I believe synchrony bank was punishing me for being a victim of identity theft and further damaging 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 explanation
Consumer complaint received 2018-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX still shows an open account on my report. Allegedly after investigating. Card opened in a previous legal name. They exceeded the timeframe projected, and still have not corrected the status to show closed. Account closed in bankruptcy, status still showing 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 2021-06-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted several years ago about a debt being owed to Ace Check Cashing for a loan I told them that I had never contacted them about alone I've never received the one from them They said it was online Through their Website I Told then that I had been a victim of identity theft And they even said they would write it off as fraud This was charged off in XXXXAnd the collection agency that now has the account received it 2 months agoXXXX XXXXAnd that I was not employed in XX/XX/XXXXj

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Grain Technology, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted this company via another forum as well as personally, to give them an opportunity to rectify this situation, yet they refuse to do so sadly. While checking my credit reports this account was added to all of them just last month, but it stated that I had used all of the {$500.00} credit limit, which is COMPLETELY AND UTTERLY FALSE!!!! They then tell me it was sent to my linked bank account, which by the way had been compromised and closed, due to fraudulent activity and negligence by the bank itself, with Grain being part of the reason for this. So I reported to both the bank and Grain, to which when Grain responded someone name XXXX contacted me back saying that I in fact withdrew the entire credit limit into the compromised bank account, and that there were no signs of fraud, even though I informed them of my bank account being compromised and my phone being lost/stolen, but yet they were persistent about me owing this {$500.00}. Since the conversation wasnt going anywhere I said I will pursue this till the bitter end, but in the mean time I didnt want it to be negatively reported on my credit, so how do I go about paying, EVEN THOUGH I SHOULDNT HAVE TO.but once I asked that, I havent got a response since.this was over a week or XXXX ago and its frustrating because Ive asked them already to handle this situation, but then they wont even respond to my request anymore, but will report me as being late on a payment that XXXX. ) I shouldnt have to make, and XXXX. ) on an account I never authorized to transfer anything on and XXXX. ) On an app that doesnt even work.I cant even get on anything because the app is so messed up it wont load or show anything anymore. Ive tried to link an account but it doesnt even allow me and they wont even bother responding now. They told me weeks ago that an Identity Theft Affidavit wouldnt even suffice, even though that is a legal tool used to prove identity theft, but instead they said they want a police report. My police department said there was little to nothing they could even do, and that filling out one could be done but wont make much difference in an investigation. THIS IS ILLEGAL, and this is your last chance to make this right, my attorney has been advising me and has made it clear that if this isnt rectified immediately, then litigation will commence against your company. First and last warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Delete this account XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) because this is not my account. I have never done any business with this company. I do not know who they are. This company associated with this account does not have any contract with my signature. I Have no relation whatsoever to this company and all parties involved with whoever they are. This accounts information doesn't even make since, EXPERIAN has the open date as XX/XX/XXXX for first delinquency but update as an actual collection on XX/XX/XXXX and as stated earlier I have never spoken to them, never heard them, and never made contact with them because I have no reason as it is not mine. I received no mail about this account which after looking to advice in the CFPB database was supposed to happen in a set amount time .... It is clear it has been furnished in error. As such This account has caused me financial hardship during a recession and as I prepare for a wedding no less. 

Delete this account for violation of 607 - 15 U.S.C. 1681e

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