BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize or consent Transunion or any other reporting agency to the following inquiries to be furnished on my credit report. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2023-03-07
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/ I called golden 1 CU to request a stopped ach payment to XXXX due to fraudulent loan and customer service stated theyre fees which find with me as long no stopped will be in place for all future transactions and received a letter from golden1 to sign the documents to stop ach payment in which i returned in mail. But to my surprise on XX/XX/23 I received email from golden1 of my account overdrawn. I have an unauthorized ach payment of {$430.00} taken from my account so I called golden1 cu  customer service and spoke to specialist stating that there was no stopped payment done and they can not accept ach stop payment and need to speak with 3rd party regarding this, told her the situation until she suggested to file dispute then called XXXX and my account was closed but I will not get my money back since I need to payback XXXX. Now my account is in negative balance because of this overdrawn. Golden1 representative stated they dont do stopped payment at all.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I was a victim of identity theft in XX/XX/XXXX after discovering several unauthorized credit inquiries for various credit cards, banks, and cell phones appearing on all three credit reporting statements. I immediately locked all three credit reporting accounts, as well as notified each bank and/or credit card of the theft. Despite the locks, I continued to get notifications throughout the year that someone was trying to open bank accounts or credit cards using my credit information. On XX/XX/XXXX, without ANY previous contact from XXXX XXXX, I received a notice from XXXX XXXX XXXX that I was in default of {$4100.00}. THIS IS NOT MY ACCOUNT. I immediately called XXXX, but was told that they would not work with me as my account was in collection. I wrote XXXX XXXX on XX/XX/XXXX that it was not my account and asked for FULL DOCUMENTATION of the account. I've repeatedly written and called both XXXX and XXXX XXXX stating that it was not my account ( including a police report ). To this date, I have received NOTHING from either XXXX XXXX  nor has XXXX XXXX. It has been over 2 months since I sent my letters and called. In the meantime, I have also retained a lawyer to assist, but still XXXX continues to re-post the closed 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 non-monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX aka XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2022-03-14
Company: Firstsource Business Process Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRST SOURCE, FIRST SOURCE ADVANTGE, LLC SENT ME A NOTICE SAYING I OWED THEM {$490.00} ACCOUNT # XXXX WHICH I NEVER HAD. I AM REQUESTING A VALIDATION OF THIS DEBT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA. I AM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED. PLEASE SEND ME THE VALIDATION IN A TIMELY MANNER, THEN I REQUEST THAT YOU STOP TRYING TO CONTACT ME ANYMORE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$270000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022

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 2018-08-13
Company: EQUIFAX, INC.
State: MI
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 have a Hard Inquiry for a request for Credit I DID no authorize from a XXXX XXXX XXXX XXXX on my Equifax credit report, additionally there is NO valid contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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:
Upon checking my credit report I noticed this unauthorized fraudulent account from XXXX XXXX. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period

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 2023-03-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/XXXX, I applied for a Chase Ink credit card. The application was initially denied, but on XX/XX/XXXX, I spoke XXXX in card lending services who told me the card was approved with a {$5000.00} credit line. I waited several weeks and did not receive the card. On XX/XX/XXXX, I called and spoke with a series of individuals including XXXX ( on XX/XX/XXXX ), XXXX, XXXX and XXXX. Finally, I spoke with XXXX who said the card was approved ( Ref # XXXX ). However, no one informed me that an additional credit report would be pulled. I would have though the previous credit report pulled on XX/XX/XXXX would have sufficed. 

On XX/XX/XXXX, I spoke with XXXX in Chase 's credit bureau reporting department who told me a new credit report had to be run because the card had not been approved when I called for reconsideration in XXXX. The first credit report wasn't even 60 days old. First, it's excessive for Chase to run so many credit reports... I opened a business checking account in a branch AND applied for the Ink credit card on the same day with the same banker. Why were two separate credit reports required? Second, the credit report that was pull on XX/XX/XXXX was not authorized and Chase should have been able to make a credit decision based on four-week old credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, let me start that I've been with USAA for 16 years and have never encounter this type of problem before and I really don't understand what's going on? I submit a claim to my auto insurance, and they refuse to pay for my extended two days rental car which is their fault because they didn't send the check on time to the Bodyshop that was fixing my car so I couldn't pick up my car when was ready because the owner of Bodyshop refuse to release my car without receiving the check from USAA, I call Usaa and they are very rude, refuse to talk to XXXX  and to close my claim, USAA also doble my auto insurance I use to pay {$220.00} a month they double {$440.00} a month I call and ask why and the agent told me it's what it's, really? at this point I want to move my auto insurance somewhere else and still they refuse to close my Claim and every time I call they hang up on me or refuse to talk to me at all. Claim still open and I retrieve my car more than a week ago. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a XXXX  resident. I have disputed numerous times a Chapter XXXX Bankruptcy on my credit. I have been a XXXX  for 7 years. I called ohio bankruptcy and they stated they do not provide 3rd party  agencies such as Transunion, XXXX XXXX and XXXX do not provide the whole social security number. Bankruptcy does not verify information over the phone nor through the mail. The address on this Chapter XXXX is not that of my address which is my Nevada address. I disputed this bankruptcy with transunion stating this bankruptcy is not mine and the address of the bankruptcy does not match nor do transunion or pacer show the full social security number. Transunion removed the bankruptcy some time before and reinserted the bankruptcy without my knowledge of doing so. This is my final attempt to rectify this situation before seeking legal counsel.

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 2023-02-16
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed on XX/XX/XXXX. I made two purchases and never received the items. Disputed via Cash App and they told to wait 14 business days and wait for a resolution but they only focus on prevention not recuperation! I then filed a complaint with my bank who also denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.

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 2022-02-09
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a debt letter from Waypoint Resource Group. I was in shocked because I don't remember owing a cable company under my name. It stated that I owed them back dated on XX/XX/XXXX of {$12.00}. I did not opened an account with the company for a long a time. I was not the account holder around this time. I want this debt off my name. I have a very good credit and I don't want this company to ruin my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Reached out multiple times explaining to trans union I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number

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 2020-04-29
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$75.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$360.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company XXXX XXXX XXXX XXXX  is reporting a collection in the amount of {$5600.00} reported on XXXX.I never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, we mailed a check for {$9700.00}, drawn on our Chase Bank account, to NYS Income Tax. On XX/XX/XXXX, the check was posted to our account. On XX/XX/XXXX, we received a call from XXXX  XXXX XXXX ( XXXX ) that an unauthorized endorser, XXXX XXXX XXXX, had deposited the check, through, an ATM, in his XXXX account. The caller asked if they should stop payment on the check. We said they should. They didn't. The same day, we called Chase to initiate a complaint. They said they'd send the forms we'd need to fill out. The forms never arrived. On XX/XX/XXXX, we filed a complaint with our local Chase Bank Officer. We have regularly followed up with Chase on the progress of our complaint but there has been no disposition. Chase maintains that XXXX, as the bank that accepted the check, is responsible for repayment. We have copies of the check front and back. Chase deducted the funds from our account without checking the depositors endorsement or the identity of the depository bank. Given the blatantly erroneous unauthorized endorsement and the fact that JPMorgan is the depository bank for NYS tax payments, we do not accept Chases derogation of responsibility. We have asked them to reverse the payout and restore the funds to our account. Side note : We have had to send a second check to NYS Income Taxes. Because this second check was sent after XX/XX/XXXX, we were charged interest and a late fee.

Company response to consumer: Closed with explanation