BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account XXXX, has violati my nonta 15 U.S.C 1681 section 602 A. States 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 XXXX XXXX XXXXXXXX. 
Closed on XX/XX/XXXX XXXX XXXX Opened XXXX AXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Company: Experian Information Solutions Inc.
State: MD
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 have old accounts on there that should be taken off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: CT
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 am trying to get rid of all these hard inquires and late payment accounts and anything in collections that I bringing my credit score down. 

In the past I have applied for car loans but not as much as what appears on my credit report. There are a total of maybe XXXX hard inquires ( if not more ), on my credit report and I no longer have a car nor have I gave dealerships the authorization to send my information to numerous lenders. As far as I was concerned, it was only through " in house financing '', and it seems as if the dealerships did not comply. 

I also recently just paid off a old credit card that had an outstanding balance, and it is still showing up on my credit report as open and more than 90 days late. I received a confirmation from XXXX XXXX stating they did receive the {$120.00} I paid to them to close the account and have it up to date. 

I also had a XXXX XXXX XXXX loan open which had an outstanding balance of over {$1500.00} due to my gap insurance at the time not covering the full balance left. For XXXX years I was able to buy XXXX other cars without the dealerships noticing that open car loan. I showed proof of a total loss letter to dealerships and that is how I got passed that and was able to drive off with a car. 
However, now I am seeking to buy another car, this " open loan '' that I did pay the settlement offer too of {$320.00} ; it is still being showed as open and that I owe {$1500.00}. 

I really want all of these removed from my credit report. I find the inconsistencies absurd, I do understand that credit reports are updated every month, but it just seems as if my credit score has not made any major changes. 

Any hard inquiries from almost XXXX years ago should be removed and fall off. 

In accordance with the Fair Credit Reporting act, I feel as if my rights were violated / 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Multiple fraudulent charges made in-store at XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX with my Barclaycard Arrival World MasterCard credit card. 

Fraudulent charges include : XX/XX/2020 @ XXXX of {$450.00} in XXXX, XXXX, CA XX/XX/2020@ XXXX of {$490.00} in XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$310.00} in XXXX XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$410.00} in XXXX, XXXX, CA Time of charge and location of charge provided by credit card company. 

Credit card was still under my possession during time of charges. 

Credit card company states chip was used and denies any fraudulent wrong doing despite multiple pleas to reverse charges explaining that despite still having the card in my possession that those charges were not made by me. 

Credit card fraud representative made aware by my self that such large consecutive monetary charges were not flagged by company as possibly fraudulent and I was not alerted of charges immediately after they were made despite having alerts set. One representative basically said that the charges did not appear fraudulent. Her cold tactless response only aided in escalating an already frustrating situation. 

I discovered the fraudulent charges independently on XX/XX/2020 and called the company immediately. Their electronic alert system did not alert me to the charges until XX/XX/2020. Complaint of their alert system also made to company. If their alert system had worked properly further fraudulent charges could have been prevented. 

I do not live and rarely ever shop at these locations. I was not in those locations during time of purchase. I believe a blatant crime was committed. Barclaycard company is failing to assist me in the matter. A police report has been made.

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 2022-02-22
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been 27 days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the equifax data brech and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-11
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company 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 2022-02-05
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A Lawsuit claims against XXXX engaged in unfair and deceptivec practices by forbrances and away from student programs and loans were given with high interest which is fraudulent and the interest was so high and being charged a continuing interest which make virtually hard to pay it. A loan for 10 000.00 ends bring 298 000.00 with incurring. Daily. My student is in question because of the almost 300 000.00. This practice has impacted my crefit negatively XXXX XXXX XXXX XXXX XXXXXXXX.

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 2018-01-21
Company: Experian Information Solutions 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:
I was a customer of XXXX. Around XXXX or XXXX of XXXX, I ordered several items but I never received the order. I contacted XXXX and they issued an affidavit of non- receipt of merchandise. I completed the affidavit and faxed it to them on XXXX XXXX, XXXX. The issue I 'm having is that XXXX has placed this account on my credit file for colection. I 've disputed it several times and provided them with the affidavits but the credit reporting agencies have yet to remove them. 
In XXXX, XXXX attempted to sue for all monies due but the case was closed due to documentation I provided. 
This account should be removed from all credit files because I never received the merchandise.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report again, I discovered that some of the account was still erroneous. The 3 credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equaifax to update my credit score when i had and acct remove but it hasn't updated XXXX XXXX was removed but not update on my credit score Customer service is the worst i experience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has caused me adverse action by telling XXXX XXXX XXXX  and XXXX XXXX XXXX  that I do not have a credit score. Equifax has caused me financial hard through adverse action by reporting inaccurately to these companies. As a result I have been damaged in the amount of {$100000.00} in the form a XXXX XXXX loan that I was denied for and a XXXX XXXX worth {$60000.00} that I was denied. This was all because Equifax gave the companies inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: NC
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:
Experian stated that the account below has been updated and verified which i dont understand why if this is incorrect because a charged off account cant be reporting as past due and i clearly see XXXX past due, also they are reporting late which is illegal i need this 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 2023-03-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive been a Chase Freedom Unlimited card holder since XX/XX/2022 with 100 % perfect payment history. Sometimes even making 2 payments per bill. I was approved by Chase for a credit line of {$8100.00} in XX/XX/2022. On XX/XX/XXXX, I was blind sided by a letter from Chase that my credit line was reduced to {$6400.00}. I found it completely insulting that Chase would randomly take away {$1700.00} in credit from me given my payment history and never being late or missing a payment once. 150 % unjustified. Additionally, I have 100 % perfect on time payments with other card accounts and my credit reports show that. Chase has maliciously hurt my credit rating as my usage percentage has now gone up as a result of their reducing my limit. Chase reducing my credit line has put me in a major bind as I planned on using the card for something and now can not. Chase customer service and executive relations staff are rude and not helpful whatsoever. Now im told by Chase that if I want to see about getting the original credit limit CHASE gave back, I will be subjected to an additional hard inquiry on my credit. Chase already did a hard inquiry and approved me in XXXX for the {$8100.00}. A card holder with perfect on time payment history shouldnt have to go through all this and be subjected to further inquiries just to get the original credit limit back. Chase should be going over and above to help me in this matter and does the complete opposite. What if I had been in the middle of a trip and a hotel or car rental tried charging my card and it was declined due to this? I could have been in major trouble if I was unable to pay a bill. Chase never thought about me in all this. What Chase did was insulting and disrespectful to me. Attempts to resolve this matter in getting my original line back have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Personal information incorrect

Complaint:
I have multiple old address that I requested to be removed. I also have multiple Name on there as well that isn't mine, I also have three social sercurity that isn't 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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been 27 days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the XXXX data brech and may have gotten into the hands of the wrong person

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, I am a XXXX XXXX  working at the XXXX XXXX and XXXX XXXX in XXXX XXXX ( XXXX ). By following the instruction of the State Department, I applied for a commercial card from XXXX XXXX which gives me tax exemption treatment. 

My card information is : Name : XXXX XXXX Account number : XXXX However, in recent months, I have been charged with many unauthorized transactions by XXXX XXXX. After talking to its security operation office for many times, I successfully got refunded except for the following XXXX transactions : XXXX. XX/XX/XXXX : {$90.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$91.00} XXXX. XX/XX/XXXX : {$89.00} I live in XXXX XXXX, California and usually fill my tank at the stations in XXXX and XXXX. Until XX/XX/XXXX, I only own a XXXX XXXX, which tank is too small for $ XXXX diesel. 

I constantly requested XXXX XXXX to check the footage of the surveillance cameras at which those unauthorized transactions happened but got refused. According to its security operation office, they think those transactions " have a similar pattern, similar amounts and happened in locations close by '', so they decided to deny my claims. 

In short, XXXX XXXX claims that I not only stole diesel from them, but lied to them. It is an unacceptable accusation against my integrity and an outrageous humiliation to my country. 

I am willing to accept interviews and provide more evidence to clear my name and get refunds that I deserve. 

Thank you very much.

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