BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 made several attempts to have erroneous credit inquires removed from my report. Again, most recently I sent correspondence to all three bureaus to have fraudulent inquiries removed. I have received correspondence back that the inquires are valid. I have had no business dealings or authorized the pull my credit profile for these entities.The Fair Credit Reporting Act Section 609 ( Consumer Disclosure Section ) entitles me to this. 


XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX   XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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:
XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2022-07-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON XX/XX/XXXX XXXX XXXX  XXXX Fraduently took {$53000.00} out of my business account under the guise of providing 1-year business mentorship and consulting by the international business coach XXXX XXXX XXXX However, NO contract was ever sent as promised and NO services have been received to date, and my multiple attempts to get a refund since XX/XX/XXXX have gone unanswered. After finally recovering from XXXX and being able to seek & obtain counsel my lawyer said this wire was taken under false and fraudulent pretenses. She said it was " Theft By Deception '' thus also it was " FRAUD '' and I am legally able to request a XXXX XXXX for the full {$53000.00} Wire Transfer.

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 2022-01-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I received late notice via text on my Synchrony Bank Lumber Liquidators credit card that I was late on my payment for the balance of {$960.00} that I did NOT make. I've only used this card once and paid it off before this unauthorized balance. I've been told it's a surcharge from the store, it's interest from the promotion of my only purchase which I paid off before promotion ended. This account had been dormant until surprise I've got a balance. Not once was I made aware of purchase or that a payment was coming due and I had an excellent payment history with them and none of that played a factor. I did not make any purchases and yet I'm being charged late fees and a negative mark is placed on my credit. I've been told that it's being investigated. That the account was closed with a new one issued but with this balance.

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
Consumer complaint received 2023-08-31
Company: Global Lending Services LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've bought my car a little over 2 years ago, and have gotten my loan through the company " Global Lending ''. Whenever the payment day is approaching, usually the week before, I start receiving incessant phone calls, voicemails, one after another. Sometimes to the point that I'd get XXXX phone calls in a row. Part of my job is using my cellphone, and I can't work with my clients when they won't stop calling. 
My payments are scheduled either online or through an agent that has called, even though every months is due at the same day. 
I have conference calls everyday and multiples times I have gotten written up by my company for interruptions/ not being on the call at my usual time. I've also lost clients and had to cancel work because of this. 
I answer my phone during the first call, whenever I'm not working, but it's not always that I can pick up my phone. Even after answering the first call, and make sure I will make the payment by the due date, they will keep on calling me. 
I've asked this company to please stop calling me, my husband and my friends, because the payment is already scheduled, but their excuse is that they have another third party company that " doesn't have the same system, and don't get all the info '', so I need to pick up the phone each time and let them know I'd just spoken with an agent. 
These phone calls come at all different times of the day, before XXXX XXXX, after XXXX and on the weekends. I have gotten these call multiple times after XXXX on a Saturday. 
When I speak with these agents they seem to have no idea about what/who I talked to previously. They not only harass me, but will doubt that I spoke with agents, threatening to call my friends and have my car repossessed if I don't make sure I pay it on time. 
The last time they called, thank goodness I had the name of the person managing my account and their direct extension number, to prove I did, in fact spoke with them. 
This has caused me not only to lose money, but potential clients, as well. 
I suffer from XXXX XXXXXXXX and XXXX XXXX When my phone rings, whenever I'm threatened by them I have to start taking XXXX XXXX medication, have to make appointments with my doctor for treatment. 
I'm so tired of dealing with this for over 2 years, for talking to them and nothing being done about it. I have owned cars in the past and NEVER did I ever get harassed, nor threatened to the point that will cause me mental and financial burden like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: Account status incorrect

Complaint:
I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on XXXX, but TransUnion shows XXXXXXXX XXXX XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.

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 2023-04-27
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 submitted a complaint last XX/XX/XXXX and XXXX XXXX XXXX The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I RECEIVED A PROMOTIONAL OFFER FROM CENTER STATE BANK, CARDMEMBERSERVICES, XXXX, XXXX ND STATING THAT IF I SPENT $ XXXXWITHIN XXXX MONTHS MY ACCOUNT WOULD BE CREDITED {$300.00} IHAVE MET THESEREQUIREMENTS BUT WHEN I WENT TO REDEEM MY MONEY I WAS TOLD I WOULDHAVE TO WAIT XXXX MONTHS BEFORE I WOULD RECEIVE MY. MONEY THE OFFERI RECEIVED MADE NO MENTION OF THIS. I BELIEVE THIS IS UNETHICAL MARKETINGAND I REQUEST I RECEIVE MY MONEY IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a Chime debit card in the mail XX/XX/2022. I did not open this account, I have tried contacting their number and no options to get to a human. I have contacted support through their support email, but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.

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 2023-08-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband and I own an XXXX XXXX XXXX XXXX XXXX We regularly have new prospective clients contacting us ; mostly international people. We were contacted the beginning of XXXX by a new prospective customer. After much communication, the product seemed to be paid for with CC. I used the customers money to contract the shipper and send wire transfer ; which was on XX/XX/XXXX. I received an email from an unknown company almost immediately that I sent the transfer to a fraudulent company. I called the branch and the CS rep told me the receiving party would have to approve the return of my funds. I said that is ridiculous if this is a scam. Later on Thursday, I contacted my bank via email because they were closed asking if I could put funds on hold. I was getting no response from the bank. I then received an email from the " transport company '' saying that my payment was rejected because of incorrect amount. I sent another email to CS rep at bank and told him that the payment was rejected so I should be able to get my money back. Next email from transport company said payment was sent back to my bank. But I never received that money back. The bank said they put a wire recall request in but never communicated from that point. I was so frustrated that they couldn't help me, I closed my account at that bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: SUNRISE CREDIT SERVICES, INC
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:
After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave XXXX written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres big violations that I want to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt.

2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See Exhibit 1 ). This debt collector arent authorized to conduct business in Arkansas or Texas. 
-XXXX  XXXX XXXX acct # 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 2023-04-07
Company: Experian Information Solutions 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 XXXX XXXX XX/XX/22 Fruadulant activity Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-01-04
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to MRS BPO, L.L.C. and XXXX XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2022-11-16
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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 719XXXXXXXX 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 XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation