BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Collection reporting inaccurately Dear Transunion, After reviewing my credit report I noticed an inaccurate account on my credit report. I am requesting that Transunion investigate the following account to ensure accuracy. I am requesting the collection account to be deleted from my credit report once the investigation is complete. 

XXXXXXXX XXXX XXXXXXXX This account appears to be reporting inaccurately. 

Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you 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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i applied for a XXXX XXXX XXXX XXXX mastercard. and i received a email saying congratulations you have been awarded the card. however the company said i was not awarded the card and was only issued a store card. 

here is the email. i can send you the actual one with the letter head if you need to see that. 

the response from the company we dont know what happened we are sorry Hello, XXXX XXXX You're approved! 


Hello XXXX, Congratulations, you've been approved for a XXXX XXXX XXXX XXXX Mastercard. Even better, you're all set to enjoy the perks of your new account. 
Look for your welcome kit to arrive by mail in about the next 2 weeks.

CHECK OUT YOUR BENEFITS About this Activity We sent this message because you submitted an online application for credit. 



Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our Customer Care team is here to help, too. Just call us at XXXX ( XXXX XXXX XXXX XXXX Mastercard XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Mastercard ) ( TDD/TTY:XXXX ). 








Copyright 2020 Comenity LLC. This site gives access to services offered by Comenity Capital Bank. 
XXXX XXXX XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX XXXX Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list. 

Privacy | Security | Contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4700.00} ; 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 2023-07-06
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

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 2023-09-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2019-04-02
Company: JPMORGAN CHASE & CO.
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:
XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called Chase Bank, they said the would take care of it. I later called XXXX and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male Chase representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of Chase sending me bills month after month, asking for payment of a mortgage I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter on XX/XX/2018 that Barclays bank closed my 2 person cards due to " your history of account usage '' Multiple calls to the bank has yielded no explanation as to what I had done wrong, and why exactly my accounts were closed. I have been a loyal upstanding customer with no missed payments, and have been wrongfully shut down.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 according to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 2019-07-01
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2019, received a calls to lower my interest rate on credit cards. In which I still do, I talked to 3 individuals one representing to lower the credit card rate has for my information, next I k ow I received a call from XXXX  stating I was approved.I reck the credit card XX/XX/XXXX but I never called in to open the account. But on XX/XX/XXXX I received a statement with a transfer to a XXXX XXXX XXXX  for XXXX.I never in my life dealt with this company never.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more

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 2021-06-08
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed, file prior CFPB complaints, requested verification, and even called XXXX XXXX THEY HAVE NOTHING under my social. I can't seem to get this resolved. I need 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 2018-04-11
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CFPB Complaint - XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX , OHio XXXX I have applied with several companies looking for work in the field of XXXX XXXX. I would have great interview but after I signed paperwork for a back ground check I would never hear from the company. I sent a letter to XXXX to get a copy of what they had in my file and I was sent a letter regarding a speeding ticket. I called XXXX and spoke to XXXX to confirm this was what they had and it was confirmed. My not being able to get a job went on for months and it made no sense because of my education. In XXXX, I applied with XXXX and they were not going to hire me because XXXX sent them a report saying I had an eviction. When you work in the field of XXXX XXXX you can not have an eviction. Companies will not rent to people with evictions and they do not want to Hire an employee with evictions. 
I begged this companies patience because I knew I had no eviction. I called XXXX and they realized their mistake and did send XXXX a corrected report and I was able to get that job. I sent XXXX a letter asking them to send corrected reports to all of the employers they sent this erroneous information to and a copy to me for my records and I was told by them, I would have to call all of the potential employer that denied me employment myself. And they never sent me a copy of the corrected report for my personal records. This erroneous eviction against me caused me a great financial hardship and a lot of mental stress. I almost lost my home, bills fell behind it was a mess for me. This erroneous eviction had been on record with XXXX since XX/XX/XXXX. I made contact with this company several times to confirm they had only a speeding ticket and NOTHING was every said or mailed to me about this eviction. The eviction Was NOT mine but it cost me months of not being able to get a job. I had to eat from food XXXX, pawn family heirlooms to be able to keep my utilities on, and my property taxes are still behind. I had to sign two separate contracts with XXXX County Auditors Office to keep my home from being sold for taxes and I am still owe {$800.00} on my property taxes. If I had a mortgage on my home I would be homeless. Had it not been for XXXX providing me a copy of what XXXX sent them I STILL WOULD NOT KNOW WHY I COULD NOT GET A JOB. I have received three letter concerning information being released : XXXX XXXX, I did not get that job, XX/XX/XXXX, I did not get that job. XX/XX/XXXX was the last letter I received. I was turned down for some awesome jobs I really wanted with fantastic companies due to the erroneous eviction and now XXXX can send me a corrected report or let me know what companies they sent the corrected report to and the dates. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: FL
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 my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Trident Assets Management has reported to 2 credit reporting agencies that I owe {$470.00} for a debt that isn't mine. I sent a letter to them stating show proof i.e. original document bearing my signature. The company sent their proof which was an old bill that DID NOT show any original proof i.e. mine signature. I sent an additional letter asking them to show original proof bearing my signature, 30 days have elapsed and I still have not heard back from them via phone, email, or mail showing their proof bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
DECLINING TRANSACTION FOR A LIMITED EDITION HAND BAG WHEN THE AVAILABLE CREDIT IS THERE AND I CALLED CUSTOMER SERVICE AND THEY CAN CARELESS! IM OFFENDED BY THIS TYPE OF HARRASMENT

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these accounts immediately : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life.

IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED items listed below are note deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear as t the Civil Liability and the remedy available to me.

this company, has not been able to verify, come the time of the law, all the fraudulent information, nor has it provided evidence, nor verification method, sending me a letter asking me 15 more days, than what the law stipulates,

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