BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is an abundance of credit inquiries on my XXXX, Transunion, and XXXX  credit reports that I did not authorize. I have reached out to the credit companies asking for documentation with my signature stating I agreed for these companies to pull my credit and none of them was able to provide any information nor do they have any information for me in their system. My XXXX file is frozen and that is who these credit reporting agencies state they verify the inquiries. I have been a victim of Identity theft for quite some time. If the credit card companies could not verify any information with me I AM 100 % POSITIVE THEY HAVE NOT PHYSICALLY PICKED UP A PHONE TO SPEAK WITH A LIVE PERSON CONCERNING THIS MAJOR PROBLEM. The inquiries that was not authorized are : XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX. Remove these inquiies they are unauthorized.

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 2016-03-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted dispute in past for some inquires and incorrect information. Please see the attached letter with details on of specific inquires and credit buereas. Please remove unauthorized inquires. Thank you so kindly in advanced.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX  Laws : 15 U.S.C 1681 section 602 A. States that 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.

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 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was a victim of the inquiry issue with Transunion 's Credit Bureau. I contacted their customer service representatives and they refused to remove the inquiries from my credit report. I wish to have these negative inquiries removed from my credit report. 
These negate inquiries include the following : XXXX XXXX XXXX : XXXX/XXXX/XXXX 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts. Please investigate these accounts that are erroneously reported in my file : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}

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 2023-08-29
Company: Checkr, Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr is sending my employer XXXX false information on my background check. Checkr is sending a background check from XX/XX/2023. I requested a court date and the judge dismissed all my tickets and cleared my driving record. I dont have anything on my criminal or driving record. 

I was in court XX/XX/2023 and the judge dismissed all tickets. 

Im cleared by the Miami Dade Clerk of Courts to drive for all Ride Share companies. 

But Checkr is still reporting a false information on background check so as of XX/XX/2023 if I apply for any company using Checkr I will be denied the ability for employment. 

This is discrimination on the behalf of Checkr to stop me being an XXXX XXXX an opportunity to work and apply for job opportunities in the Ride Share Gig work space.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am asking Portfolio Recovery Services to send me a signed contract by myself that I owe them the debt they are claiming as their own. 

They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money. 

I do NOT owe them ANY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I lost my XXXX  job and since than I haven't been able to make two payments for my credit card, because the minimum payment is too high. If it was lower I would make the payments but as of right now I cant afford it.

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 2020-07-12
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:
they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. 


all ftc errors

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 2021-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is on my credit report and is not my debt. I have never been contacted in any way by this company regarding this debt and would like it permanently removed off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a Chase Sapphire Checking Account with a promotion that I would earn XXXX Ultimate Rewards Points upon Qualifying activity, but they did not honor this promotion. 

Upon opening the account, I was informed the promotion had changed to {$750.00} ( not XXXX points ). There is a value difference of {$370.00} here. I spent hours on the phone trying to resolve in XX/XX/2019 and was told there was nothing anybody could do. 

On XX/XX/2019 I still had not received any promotional value, so I called Chase. 

Qualifying criteria was a {$75000.00} deposit. I made this to a linked investment account. However, the representative told me this was not a valid way to receive the promotion. The terms and conditions of the promotion indicate otherwise ( quoted below ). They were unable to resolve. 

The promotion criteria reads : " Within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 cancelled my VISA credit card with Bank of America due to their incompetence. I was a cardholder since XXXX. My wife and I had our New Jersey XXXX XXXX   account attached to the VISA card and had made payments generally in full and on time for 29 years. We moved to a new address in XXXX and notified Bank of America of the address change prior to our relocation. Bank of America did not send a bill to the new address after the move. XXXX XXXX notified us on XX/XX/XXXX that our credit card had been declined. I contacted Bank of America on the same day and they indicated that they had entered the new address information incorrectly. We received no bills for payment from them since the last payment was made in full on XX/XX/XXXX. The amount of our payment was {$70.00}. Bank of America indicated that our bill was past due in the amount of {$260.00}. I asked how much of that amount was late fees. They stated there were 2 late fees of {$25.00} and {$38.00}. I asked if the late fees would be waived due to their error. They agreed. The past due was reduced to {$200.00}. I asked them to reinstate our account immediately and they insisted on a payment of {$53.00} within 24 to 48 hours. I told them that we paid all of our bills for 29 years. They said that we needed to make a minimum payment of {$25.00} within 24 to 48 hours and requested our checking account # and routing #. I told them that I could restore my XXXX XXXX account immediately with a new and different credit card ( XXXX Master Card. ) I did so.

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 2020-10-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion refused to look into this record on my file and told me to go dispute with XXXX XXXX XXXX. 

I have received a derogatory mark on my credit by Transunion onXX/XX/XXXX in a form of account in a collection filed by XX/XX/XXXXt XXXX on behalf of XXXX XXXX for {$9100.00}. 

I have filed a dispute on transunions dispute site in XX/XX/XXXX. And called them in XX/XX/XXXX. On the call Transunion refused to open an inquiry on the derogatory mark and asked me to take my dispute and evidence to the collector XXXX XXXX XXXX. 

I called XX/XX/XXXXon on XX/XX/XXXX and informed them that they have incorrectly listed a collection on my record, and that I have done my XXXX at the University of XXXX ( XXXX ) and my masters in XXXX University ( XXXX ) and have never gone to XXXX University nor have I lived there ever. In fact I have lived in XXXX all XXXX, and lived/worked in XXXX all XXXXduring the debt would have taken place. 

XXXX XXXX XXXX responded that they will look into it and someone will call me back. 

Fast forward no call back from XXXX till XXXX, so I called on XX/XX/XXXX and XXXX said please email your dispute to XXXX ( attached is a copy of the email exchange ) I explained the situation, they said they will contact the original debt issuer XXXX University, they did and responded that XXXX provided documents stating the debt. Worth noting XXXX never provided SSN # and the XX/XX/XXXX filed to Transunion with no SS # where Transunion happily reported it with no # SSN. 

I have provided XX/XX/XXXX with all the evidence that shows that I was living/working in XXXX XX/XX/XXXX all XXXX and XXXX ( attached ). Nevertheless they refused to look at my evidence and refused to remove their collection from my records. 

XXXX XXXX is finally asking me to contact XXXX University. Transunion and XXXX XXXX are refusing to look at the evidence and take this case of mistaken identity / identity theft seriously. Boh parties Transunion and XXXX collection are giving me the run around and pointing at other parties to take my dispute to when both are responsible for filing and reporting on my credit and consequently ruining my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal.

They also violated my rights under 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructi.

Also the Credit bureaus took mor than 30 days to complete my investigation, here is my certified mail tracking # 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items seems to be an error that needs to delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attended a school by the name of XXXX XXXX XXXX in XXXX, Texas ( XXXX XXXX XXXX ) that was closed in XX/XX/XXXX due to financial aid fraud. I graduated but due to the national scandal that was uncovered by the state of Texas and US Department of Education, that cerificate is not honored anywhere, and it's personally wrecking my life by attacking my credit. I have tried since then over the last nine years to get this removed from me and was just made aware that President Obama signed a law that loans of this type were supposed to be wiped out. If I can get some help to make FED Loan Servicing cooperate with me to get the XXXX portions of loans removed, that would change my life. I attended the school from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have the wrong name on my credit report and old previous addresses that don't belong to me as I never lived there

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 2020-09-09
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a medical debt that was part of a large amount that I thought I had paid. {$370.00}. I got served for a lawsuit over it, and received the service today, XX/XX/2020. 

The paper works says I owed the {$370.00} to the hospital, and was being charged an additional {$200.00} for legal fees. For a total of {$570.00}. 

I contacted the debt collection agency, SB & C of XXXX XXXX, Washington. I started by saying I wasn't contacted over this. She said " you were contacted at work, and said 'i 'm at work I'll call you back ' and hung up on us '' that probably did happen. If I didn't call back it's because they called from a blocked number. I then said I'd pay the debt. She told me I owed {$900.00}. I said the paperwork only says {$570.00}. she told me there were additional fees. 

We then went back and forth, and I said I'd just pay the {$900.00}, she said I needed to sign a paper forfeiting my legal rights. I said fine, here 's my email. She told me it could only be faxed. I said I don't have a fax machine. She said go to a public place like XXXX and we'll fax it there. I said I have a newborn I can't, I'll just go to the court date and offer to pay it. She said if I did that I'd have a judgement against me. I said but I'd be paying it, she said " I've been doing this 15 years and you'll have a judgement, you aren't special or the first one to try to get out of this stuff. '' Why can a company continue charging me interest and damaging my credit after I've offered to pay it, because they wont accept payment unless I jump through hoops. I even called their attorney 's office, who said they couldn't talk to me, but that she shouldn't have said that, and that no one has a fax anymore.

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 2017-03-01
Company: ONLINE Information Services, Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: FC HoldCo LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of fraud I see several inquires on my credit report in which I did not provide my information

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