BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Original Complaint ID # : XXXX Issue not addressed by TransUnion. Please see fair resolution to this issue in detail below before responding ... 

On XX/XX/XXXX, I received a renewal letter for my renter 's policy from my insurance company, XXXX XXXX XXXX - Underwritten by : XXXX XXXX XXXX XXXX XXXX XXXX. I have had this same policy across multiple addresses over the past five years with the rate remaining the same. In fact, the newest address that was covered under this policy, saw a reduction in the policy premium for XXXX. However, within this renewal, my yearly policy premium went from {$250.00} to {$320.00} - a 26.5 % increase. I called XXXX on XX/XX/XXXX to inquire about the drastic change in premium. I spoke with XXXX, who at first claimed it was because of the address change. However, when I informed her that there was actually a credit to my account with the new address, she told me it was due to the " consumer report information. '' XXXX directed me to call Trans Union XXXX, Consumer Relations - East at XXXX to receive a copy of the same report they based their increase in premiums on. Later the same day on XX/XX/XXXX, I called Trans Union and spoke with XXXX. I asked XXXX for the report that XXXX pulled. He assured me that I would receive the same copy that XXXX pulled on XX/XX/XXXX. However, when I received the report on XX/XX/XXXX, it was dated XX/XX/XXXX - the date when I called and spoke with XXXX. I then called Trans Union back on XX/XX/XXXX and asked to speak with a supervisor. I was transferred to supervisor, XXXX, who informed me that they could not provide me with the same report that XXXX used in their decision to raise my rates.

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 2018-04-10
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX a balance of {$290.00}. They sent it over to source receivables for collections. I went to XXXX on XX/XX/18 and the employee called corporate and they agreed to consolidate it and i pay half to have my services restored. I paid {$140.00} on XX/XX/18 and they restored my service. This debt is resolved and paid yet still on my credit report and I want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XX/XX/ and I have not received this information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and Transunion. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include XXXX. In XXXX however, both Transunion and XXXX again inaccurately reported the late payment. Transunion reported it again as 30 days late and XXXX reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both Transunion and XXXX using information furnished to XXXX from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both XXXX and Transunion still refuse to update my credit report accordingly. I requested a copy of the information furnished to Transunion in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. Transunion stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. Transunion refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to Transunion.

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 2020-02-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have used the XXXX website to obtain my XXXX  and XXXX   reports for years but Equifax is unwilling to provide my report to me. I have answered everything correctly online multiple times to request this and they respond saying I may mail in a form that contains my social security number, and other highly personal sensitive information like a XXXX and payslip. This is a ripe opportunity for identity fraud and I can not mail this in. Two people in my area have had their mail stolen, one of which was the victim of identity fraud. Please, I am seeking help accessing the data this institution is collecting about me- my credit report. I greatly appreciate your assistance. Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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:
I am urging you to take action on these inaccurate and fraudulent accounts on 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 2023-06-09
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: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: MA
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:
Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
some one stole my identity and opened a credit card in my name at floor and decor retailer. Once i found out about this issue, i filed a police report and notied the retailer, who opened a investigation. The investigation came back that i was not responsible for the charges and i was sent a letter stating as such. 
The retailer 's parent company keeps contacting me in regrds to the account, sometimes even twice a day. I have spoken with your representatives and informed them that this was a fraudulent account, and that I was told I am not responsible for the fraudulent account, as a result of the investigation comneity performed. I went on to explain that I was sent a letter from comenity verifying this. The rep named XXXX, at phone extension XXXX, option XXXX, proceeded to call me twice in one day. XXXX was very rude and confrontational, and accused me of committing theft and committing fraud. XXXX stated there is not any record of any letter on file and proceeded to inform me that she was going to report this to the credit bureaus if I dont make a payment today. 

Comenity bank even contacted me by phone, on Sunday XX/XX/XXXX at XXXX XXXX. This is a form of harassment, because I have told your reps over the phone on the recorded line, that community bank does not have any approval to contact me by phone at any of my listed phone numbers, or by email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
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 am wanting to remove the collection from XXXXXXXX XXXX XXXX XXXXXXXX. for the amount of $ XXXX of my Transunion. This is not mine and it should not be on 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've tried calling MOHELA multiple times to number listed on website XXXX since XX/XX/22 with no success of customer service representative able to pick-up the phone in a timely manner. Wait times of more than 90, 120, 160, & 180 minutes reported each time I called on XX/XX/22, XX/XX/22, XX/XX/22, & XX/XX/22 to which I would wait more than an hour and give up because I have jobs to attend to. 

I sent a private message through their system on XX/XX/22 asking for assistance with payments, though information on their site states they would respond within 3-4 days ( this information has since been erased from the the direct message contact form page. Whenever I try to contact MOHELA through message again by clicking on their link, it redirects me to contact page with the phone number list above, their listing addresses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I sent a notarized affidavit to XXXXXXXX XXXX  by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; American Express tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX as well as XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Applied for a mortgage. The lender stated that I need to settle the medical debts on my credit report. Called the hospital and spoke with the business office they said those debts were not in their system and it may be for XXXX XXXXXXXX XXXX XXXXXXXX. They gave me the number XXXX. I called this company. They could not find any debt in their system. I pulled my credit report, and it states AR Resources. I called AR Resources in FL being that the one in PA was not answering the phone. 
When I called the FL AR Resources, they also could not find any record of my debt. They then gave me a number to a lawyer to contact. Florida AR Resources stated that the PA office is not affiliated with them, and this was fraud to try and collect debt under their company 's name. I contacted the lawyer from XXXX FL. XXXX XXXX phone number XXXX XXXX XXXX. He told me to contact an attorney that specializes in fdcpa cases, and I can sue the PA company for fraud, collecting a debt under a wrong name.

I am requesting all debt be removed from all reports so I may purchase a home. This has been very frustrating and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries and addresses from my credit file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: DISCOVER BANK
State: CA
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:
Case XXXX This is a response to the case that was closed on XX/XX/XXXX. 

1. Call phones have experienced a widespread port-out scam therefore security codes etc have been rendered useless. XXXX XXXX XXXX XXXX XXXX XXXX My carrier, XXXX has sent out multiple alerts about this and I had even reiterated the risk of this to Discover.

2. A new card was requested in XX/XX/XXXX and sent to my home address. Yes, this was requested by me, because of the ongoing case since XX/XX/XXXX and a new card had to be sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was never late on accounts listed above, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete the alleged late payments from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.

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 2018-11-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I I tried to deposit {$1000.00} into my Wells Fargo checking account. I used a remote ATM. I counted the money three times before I attempted to deposit the cash. I'm 100 % positive of the amount I put in the machine. The machine scanned the money and said, " deposit {$780.00}, correct ''?. I didn't see any option for incorrect money so I hit cancel. 

When my cash came back half of it was folded, crinkled, and had to be pulled from the despensor. It also only gave me back the {$780.00} that it said I put in. Again, I'm 100 % sure of the {$1000.00} I put in the machine. I was shorted {$220.00}. 

I immediately called the bank to see what to do. The person on the phone instructed me to tell him what happened and he would file it as a " claim ''. He told me this type of thing happened and they would take care of it. He said they would send someone out and it would probably be taken care of the next day, up to 10 days. 

I called the back a couple of days later after not hearing anything back. She told me the claim was still " open '' and that I would recieve a letter within 10 days. 

The letter I recieved said I would recieve " XXXX '' dollars back because the machine scanned the {$780.00} dollars. 

I called and spoken to several representatives at Wells Fargo for several hours ( most of this time on hold ). They transfered me back and forth between a representative and " the exective office ''. Neither department could tell me anything other than they had no overage on the ATM machine count. They said their reports showed no " jams ''. The money I recieved from the ATM machine was clearly jammed. 

I've asked what methods they use to investigate this and nobody could tell me anything other than the case was closed and there was no overage. 

I'm extremely frustrated and feel that I have no safeguard with my money against the bank. I was shorted {$220.00} from Wells Fargo and feel helpless.

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 monetary relief