BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are two accounts and 1 inquiry on my credit report that are not mine I have been disputing these for many months and nothing is being done!!! This is clearly identity theft and this is my last hope XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020 on Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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 contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: OH
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 disputed multiple inquires on my credit report from Equifax. All which comes back as accurate and verified. Under FCRA Section 609 and 605 I have asked Equifax to provide me documentation from each lender about date of dispute, time stamp, etc. Nothing was provided. So basically what is boils down to is I can open a dispute with Equifax on XX/XX/29 and they can complete that same dispute on XX/XX/29. That tells me that no proper investigation was made by Equifax. That also tells me that is a violation of my FCRA rights. Equifax is good at doing that. With that being said I am reuquesting the CFPB to look into the matter. If Equifax continues this route they will find themselves on the end of a very nasty civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX I am a living human with all the rights afforded to me by the federal legislative acts set forth to protect the consumer 's. This complaint is NOT a duplicate and is being writing by XXXX XXXX XXXX using his own mind without the help of any outside sources. 

THIS COMPLAINT IS BEING LODGED AGAINST TRANSUNION ON THE GROUNDS THAT 1.I AM UNABLE TO VIEW MY CREDIT REPORT 2 THE ACCOUNTS THAT SHIW ARE NOT ALL THERE 3.I AM PAYING TRANSUNION FOR A SUBSCRIPTION THAT I CAN NOT VIABLY USE BECAUSE OF A MISTAKE MADE ON THEIR PART I SUBSCRIBE TO THE TRANSUNION CREDIT MONITORING SERVICE WHERE YOU ARE ABLE TO SEE YOUR TRANSUNION CREDIT REPORT AND ALL OF THE ACCOUNRW YOU HAVE THAT REPORT TO TRANSUNION ALONG WITH THE ACCOUNT STATTUSES. 

as of roughly XXXX weeks ago when I log on and enter my credentials to log on, it logs on as it should but when you go to Acconnts aor report, it shows my report as having XXXX accounts XXXX late XXXX XXXX No charge off or bankruptcy XXXX XXXX XXXX closed accounts I HAVE CALLED TRANSUNION ON SEVERAL OCCASIONS DAY XXXX THEY HUNG UP ON ME 3 TIMES SO I GAVE UP DAY XXXX I CALLED REACHES A CUSTOMER SUPPORT AGENT WHO DAID THEY WERE GOING TO TRANSFER ME AND ALL IT DID WAS RECYCLE ME TO THE MENUE TO VERIFY MY IDENTITY DAY XXXX TALKED TO A CSR ATTEMPTED TO TRANSFER AFTER SEEING MY CREDIT REPORT WAS INCORRECT BECAUSE THEY SAID THEY XOULD SEE MORE THAN 20 ACCOUNTS, UPON TRYING TO TRANSFER WAS HUNG UP ON, I CALLED BACK 5 ADDITIONAL TIMES THAT DAY ONLY TO BE HUNG UP ON XXXX ADDITIONAL TIMES I WISH TO BE COMPENSATED FOR THE MONEY SPENT ON A SERVICE THAT I CAN NOT USE, TRANSUNION CHARGES YOU FOR EVERYTHING INCLUDING TO SEEING YOUR OWN SCORE SO I WISH TO BE COMPENSATED FOR THAT AS WELL AS MY INABILITY TO APPLY AND BE APPROVED FOR VARIOUS FORMS OF CREDIT BASED ON THE FACT THAT THEY HAVE MY CREDIT REPORT SHOWING THAT I HAVE TO CREDIT HISTOET THEREFORE SHOWING THAT I AM NOT AS CREDIT WORTHY, THE IN ABILITY TO APPLY FOR CERTAIN FORMS OF CREDIT HAS COST ME CLOSE TO {$1000.00} DOLLARS IN THE LAST XXXX WEEKS BEING THAT I JUSGT BOUGHT A HOUSE BOUGHT I HAVE HAD TO PAY A DEPOSIT ON EVERY UTILIty wich totals {$890.00} I either to be compensated for their mistake and would like to have my credit report fixed 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 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$11000.00}, {$680.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -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 2023-06-15
Company: Experian Information Solutions Inc.
State: LA
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:
Tried to work the company on numerous occasions to get this situation rectified and asked for a supervisor callback but that has never happened. I want these accounts and public record removed from my file immediately. I have attached XXXX  documents

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 2019-08-26
Company: Experian Information Solutions Inc.
State: NY
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:
There's two accounts and a fraud address. ( XXXX card, XXXX XXXX XXXX, and the address XXXX XXXX XXXX not mine fraud ) On my Experian credit report. and have submitted Copy of credit report and Federal Trade Commission Identity Thief report # XXXX. I have submitted this information to Experian but they have not cleared or deleted these accounts and address.

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 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is a different account for XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO TRANSUNION LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXXAND XX/XX/2015 AND THIS INFO IS NOT CORRECT.

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 2020-11-23
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 {$11000.00}, {$680.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -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 2019-08-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I attended XXXX and multiple students unfortunately we're stuck with the scam of three advisors who implemented loans and sign for them that WE THE consumer were stuck with. 
They investigated and reported it wasn't mine although I had to report TO XXXX for 3 years, proved I am XXXX, not working, they kept selling it, transferring it, Finally issued paid off, but it keeps reappearing as open, transferred, Duplicated 3 times on my report and or paid by XXXX XXXX Department of Education several times on my credit report. I disputed, they sent DELETED, but it's still there. I have sued them three times already, & Won, and it says it's removed from my credit report but there is duplicate copies and a third one on there which they refused to remove from about 7 years ago. 
I'm tired of begging for something that never mine from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: NY
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:
I am having an issue with XXXX and XXXX in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting XXXX and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor XXXX. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am constantly ignored for weeks by staff assigned to my home loan, I am update at best once a week on status of my loan, I am lied to by the loan offer on closing date an required paper and etc. I leave constant email, voicemails, and text messages and I never get any kind of replied only when I file a complain with customer service do I get a reply. I was yelled at by one of the loan team for filing complaints than she basically called me a liar. I am XXXX XXXX XXXX and I have to report to my new duty station on XX/XX/XXXX. Me and my family are homeless right now because the mortgage company told us they would close on the XXXX and than the XXXX of XXXX, and told use we be closed before our current lease was up so we where good to move but they lied and there for we are homeless right now. It is XXXX XX/XX/2020, we spent all our money waiting in a hotel for them to close cause they keep promising they will close that week than the next and the next and I'm still being ignored, lied to and insulted by this company I am about to lose the house I'm trying to buy because they do not do their part and constantly lie about need paper and the statues of the loan. I want some kind of responsible and respect and apology form them for this has uprooted me and my families life made us XX/XX/XXXX and all I get is lie and insults form them. There is absolute no respect for a customer or people who serve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This account isnt mine.

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 2019-02-20
Company: Westlake Services, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
We obtained a loan from XXXX XXXX XXXX  for the value of our SUV. The loan approved for was {$2500.00} while the value of our vehicle was {$5000.00}. This was a loan secured using our SUV. We fell behind a month on payments and the vehicle was taken by this company. The company has sold the vehicle and and received the full amount of the vehicles worth, collected monthly payments from us over {$1500.00} and will not list this account a paid and update the credit bureaus. They are not reporting this transaction to the credit bureaus as they should which is " paid in full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2019, I started a credit monitoring service as I wanted to see what mas reporting on my credit.I am considering purchasing a car at this time and had been previously made aware of a security breach involving my personal credit file. I found the following erroneous creditors listing on my files 1. XXXX XXXX XXXX XXXX {$250.00} 2.XXXX XXXX {$1200.00} 3. XXXX XXXX XXXX {$350.00} and {$400.00}. There are unauthorized credit inquiries from XXXX XXXX XXXX and XXXX/XXXX also listed.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I appreciate your help this account is paid in full and I would like this update on all 3 credit bureaus it is negatively affecting my score and I would like it updated right away. 
Thank you. 
CAPITAL ONE BANK USA NA Last reported XX/XX/2021 {$490.00} Open balance {$500.00} Credit limit Balance carried not confirmed Credit limit {$500.00} You're using 99 % of your account 's limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions 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:
XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.

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 2022-11-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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  : {$17000.00}

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 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/23, payment is due for Capital One account before being considered late. Their invoice and online website states that payment needs to be submitted by XXXX EST for online or website payments, however, it doesn't not state this restriction for paying in person at their banking locations. Therefore, I went to a local Capital One XXXX branch and made payment. After making payment at branch location, called customer support to verify record of payment, which was confirmed. In addition, representative mentioned it was received and no late payment nor interest should be charged. However, if it happens to be considered late with fee, please reach out to customer support and it will be completely waived. 

Forward to XX/XX/23, reached out to customer support as fees have shown on next statement. Representative and senior representative would only partially cover the fees as they consider it late even though payment made on due date nor any restriction time for payments made at branch.

Company response to consumer: Closed with explanation