BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 RE-AGED 2 ACCOUNTS FROM XXXXXXXX XXXX THAT WERE ALREADY REMOVED BEFORE FROM MY CREDIT REPORT IN XXXX AND XXXX. TRANSUNION IS STILL REPORTING THESE RE-AGED ACCOUNTS FROM XX/XX/XXXX. 

IT IS A VIOLATION OF THE FCRA LAWS TO RE-AGE AN ACCOUNT. I WANT THIS REMOVED IMMEDIATELY. THIS IS NOW MY THIRD DIPUTE WITH YOU. 

THE LAST DISPUTE TRANSUNION STATED THAT IT WAS NOT REPORTING ON MY CREDIT REPORT HOWEVER IT WAS AND STILL IS. I WANT THIS DELETED IMMEDIATELY.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
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:
The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when I found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX XXXX, Experian and XXXX to request the contract because they will not provide to me. I have a Identity Theft case opened with the FTC reference # XXXX. I have been hitting a brick wall with trying to get this fraudulent account off me. I am asking that the credit bureaus request the actual contract. I have asked XXXX XXXX and they sent me a payment history? XXXX has removed the fraudulent account and I am asking Experian and XXXX XXXX to request the contract and investigate accordingly. I have opened several disputes with Experian and XXXX XXXX and they are not investigating, they are only going off the word of XXXX XXXX XXXX XXXX and coming back saying the account has been verified and updated. What information are you receiving to update? I would like to see the contract and my signature?

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 2017-09-29
Company: EQUIFAX, 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:
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the company Zwicker & Associates that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for XXXX XXXX and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX XXXX. However, someone with name XXXX XXXX with address XXXX XXXX XXXX XXXX, LA XXXX is using my social security number to open credit card accounts in my name. My credit report with XXXX, XXXX, and XXXX has my name as XXXX XXXX also known as XXXX XXXX which is NOT TRUE. I'm XXXX XXXX and is NOT known as XXXX XXXX. I am from XXXX and has never lived in Louisiana a day in my life. XXXX XXXX is a fraud. Please help me stop this lady from using my personal information. I am XXXX XXXX from XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 someone has applied for a XXXX  credit card/ airlines with SYNCB/walmart XXXX XXXX Fl . I live in Ga. I received a alert from XXXX XXXX today which is the same day. I looked this up and they said to contact you guys to get this solved faster. My husband and I are about to start looking for a new home by next year and I dont need anything like this on my credit. I hope you guys can stop this before anything bad happens to my credit. Thanks for all you can do for me, 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 2018-02-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto loan with Wells Fargo Dealer Services. At times during the loan it was late including towards the end of the loan. I paid the loan in full on XX/XX/2013. On XXXX and XXXX the account is listed under PAY STATUS as " 60 days past due. '' XXXX is listed correctly as " Paid, closed. '' The pay status on XXXX and XXXX make it appear as though this account is currently 60 days past due. My credit score on those two reports is much lower than XXXX and because of it I've been denied credit. I have contacted Wells Fargo Dealer Services on several occasions but they refuse to make any changes.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

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 2023-01-04
Company: T.S. Holdings
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became aware that my identity was stolen/compromised in XX/XX/XXXX by a private investigator who was hired by a car dealership in XXXX XXXX XXXX XXXX. I was born and raised in XXXX XXXX but have lived in XXXX  since XXXX. They ended up getting XXXX cars under my identity ( which fortunately for me, they were not funded and dealership was responsible ) and this group or person tried getting or got apartments under my identity. I am including the FAKE XXXX XXXX Driver License that the private investigator sent me through text, email communication with XXXX XXXX local authorities, communication with one of the apartment complexes and one of many text messages from private investigator.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
For several years now I had submitted multiple letters of dispute to XXXX XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be 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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-11-12
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XX/XX/XXXX, there were four withdrawals made from two different ATMs from my Wells Fargo Checking Acct in XXXX XXXX. The amounts were {$100.00}, {$200.00}, {$300.00} and {$500.00}. Only one ( {$100.00} ) withdrawal was legitimate. The other three withdrawals ( {$200.00}, {$300.00}, {$500.00} ) were stolen from my account. I contacted the bank by phone followed by two letters, but to no avail. They determined that there were no errors made. I know that every ATM/debit card has a daily withdrawal limit. How would anyone be able to make four withdrawals totaling {$1100.00} the same day with an ATM debit card? 

After checking two years of online transactions, I noted that there were many suspicious activities regarding my account in excessive charges for balance inquiry fees, non-Wells Fargo withdrawal fees, and repeated withdrawals per day. 

On XXXX XX/XX/XXXX, there were eight {$82.00} withdrawals and five non-Wells Fargo ATM transaction fees ( {$2.00} ) made from the same ATM- all in one day. How is that possible? 

On XXXX XX/XX/XXXX, there were six {$2.00} charges for balance inquiry fees. 

On XXXX XX/XX/XXXX, there were nineteen {$2.00} charges for balance inquiry fees. I called the bank and had these charges ( {$38.00} ) reimbursed. 

On XXXX XXXX XXXX, there were five {$200.00} charges for balance inquiry fees. 

I have NEVER done a balance inquiry on my account as the balance is always reflected when a withdrawal is made. Within the two years of transactions, there were many repeated balance inquiry fees, non-Wells Fargo ATM transaction fees, which I can not disprove unless it was exorbitant like 19 charges in one day. There are only two auto deposits ( {$920.00} and {$280.00} ) made monthly. There is one monthly autopayment ( {$310.00} ). No checks are written. Only activities are ATM withdrawals. This is a joint account with only one ATM card, which I had canceled in XXXX due to the theft of the three unauthorized withdrawals. 

Throughout the years, no complaints were lodged so these suspicious activities continued. If the illegal withdrawals were made late in the month, it would have gone undetected. But, it was made on XXXX XXXX, which caused my account to be in the negative. My autopay for {$310.00} had not been processed yet. Also, I was charged a total of {$100.00} overdraft penalties for the stolen monies.

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 2017-09-29
Company: Malcolm S. Gerald and Associates, Inc.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX And TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance Owed : {$640.00}.

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 2019-04-25
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: Information belongs to someone else

Complaint:
This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

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 2020-12-16
Company: Convergent Resources, 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:
on XX/XX/2020 Convergent outsourcing collection added a derogatory mark on my credit report per Credit XXXX, XXXX, and XXXX. Upon further research, this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtors Creditor did not verify this collection, Also there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its Mines. According to the FCRA Convergent Outsourcing collectionhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2023-01-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My Huntington debit card and checking account were frozen due to multiple, legitimate deposits that I made to XXXX XXXX XXXX before and up to XX/XX/XXXX. I had attempted further deposits but received a deposit error since the card was locked. I then self-excluded from the app to protect my winnings which I received confirmation of on XX/XX/XXXX from XXXX XXXX. On the morning of XX/XX/XXXX, I called Huntington to unfreeze my debit card which they did. Approximately XXXX in deposit transactions were then processed bringing my balance down to XXXX. I contacted Huntington to dispute this since the charges shouldnt have gone through, and they closed my account and today denied the dispute. Theyve shown nothing but a complete disregard for fiduciary responsibilities and consumer protection. I deposited some XXXX since opening the account recently and instead of locking in the XXXX  remaining balance as I intended via self-exclusion, they let it get drained and then acted like I was the one doing something wrong by closing the account and ruling against me without asking for any documentation. The customer service rep from their dispute team today told me that I couldnt file a CFPB complaint because the dispute and account are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
On XXXX2018 received a response from CFPB ON a TransUnion dispute complaint. Case # XXXX. Trans Union since then has dropped my scores for unknown reasons in just two days as of XXXX2018. From XXXX to XXXX in two days. How is this possible? I have not applied for any loans, no collections or nothing. Decreased because I reported to the CFPB? Am I being punished? I have rights to dispute my credit file. Why did I get punished. My employer has brought to my attention the decrease and may lose my job. I have two weeks to get my status where it was or else I will lose my employment. This seems like a game and these credit bereaus are hurting the American people.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: NV
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:
My credit report shows an address in XXXX, NV. 
I have never lived there and do not even know where it is. 
How do I get this information removed please? 

Thank you

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