BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from XXXX stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX., we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin

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 2020-11-30
Company: ONLINE Information Services, 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:
On XX/XX/2020 I checked my credit profile at approximately XXXX CST and upon viewing my report I noticed erroneous and fraudulent accounts on my profile. The accounts that are not authorized by me are as listed : XXXX XXXX XXXX XXXX Account number : XXXX amount : {$1700.00} XXXX XXXX XXXX XXXX  Account number : XXXX amount : {$1500.00} XXXX XXXX XXXX  Account number : XXXX amount : {$53.00} online collections Account number : XXXX amount : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: CITIBANK, N.A.
State: DE
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 an outstanding balance on my XXXX XXXX XXXX card witch I did not authorize. i lost my card when I was moving into my new house. I want this outstanding balance resolved. I did not authorize anyone to use my card.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: CA
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:
I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please 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 explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please 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 explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is requiring that anyone calling who does not have a paid account wait on hold for more than half an hour. They are also refusing to accept their own report numbers as valid for accessing the report. They are directing those who want to upload a document relevant to the report to a non-working website. In addition, they do not seem to be considering any information I submit regarding the dispute - only that provided by the furnisher. This seems to me, collectively, to be a willful violation of the FCRB.

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 2018-03-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I disputed a charge they said it would be credited with in 5days I have called repeatedly everytime it's a different story then they said that it was credited a month before it was even charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: I.C. System, 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:
On XX/XX/2020, I C System added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written 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 that it belongs to me. According to the FCRA, I C System has violated my rights as a consumer and I am 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 2020-11-20
Company: Experian Information Solutions Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ClarityConsumer report need all items removed somebody is using my IDXX/XX/XXXX checking accounts closed

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 2022-10-04
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had an XXXX procedure done at XXXX XXXX XXXX in XXXX. My insurence states that everything should be covered, I am now getting billed for the XXXX for {$550.00}. XXXX and I have disputed this charge. I am now receiving a bill from a debt collector. The company is Credit Collection Services. thier number is XXXX. My file number with them is XXXX XXXX XXXX XXXX XXXX. I would like a stop to reciving invoices from them until I correct this with my insurence company so my credit doesn't go bad. Receiving a XXXX without the XXXX is like renting a car and then when you go to drive it they tell you you have to pay for a steering wheel. Any help would be greatly appreciated, thaks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
this company made a inquiry without my authorization on XXXX XXXX,2017

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 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MIDLAND FUNDING WAS PAID IN FULL ON XX/XX/20 THEY AGREED TO REMOVE IT FROM CREDIT BUREAUS AND NOTIFY THE COURT COURT CASE # XXXX WITH A LETTER OF SATISFACTION SINCE THEY GOT A GARNISHMENT. THEY WERE TO TO DO WITHIN 30 DAYS OF THE DEBT BEING PAID. THEY HAVE NOT NOTIFIED THE COURTS NOR REMOVED FROM XXXX XXXX OR XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX THEY NEED TO SEND THE COURTS LETTER OF SATISFACTION AND ALSO REMOVE FROM CREDIT AGENCIES AS PROMISED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: NC
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 would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 2020-05-19
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:
Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.

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 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report, there are currently numerous accounts and inquiries listed on my report that was not authorized or initiated by me. This was a result of identity theft, error or malpractice.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I see ample amount of account showing on my credit report that I have never opened

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 2020-10-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi I banked with Chase Bank for about 4 years or so. On XX/XX/2020 I filed a claim for a fraud that some online company was charging me with the amount of {$780.00}, {$370.00}, {$23.00}, and {$11.00} without me knowing any of the charges. I then file the claim with XXXX and on XX/XX/2020 with a bank teller they locked me out of my online access saying that they have to do that for full investigation should be back on within a few hours. The next following day I came back to the very same bank and the bank teller that filed a claim and locked out my account wasn't there and the other bank told me that they never seen anything like this and plus THE BANK TELLER WHO WAS WORKING WITH ME IS STILL IN TRAINING. So there's nothing they can can do about it. And then on XX/XX/2020 that same online company charged me again but this time with a different amount of {$370.00} and {$790.00} and some it didn't go through so it went back to my bank. I then went back to the bank to let them know what's happening of how they are able to do that while my bank is locked up. They told me that because they only lock out the card not the account. Furthermore my claim did go through and XXXX reverse that amount of the previous charged of {$780.00}, {$370.00}, {$23.00}, and {$11.00}. And now on XX/XX/2020 the bank reverse and took {$780.00} and {$370.00} out of my bank saying that the other company already pay me back which doesn't even adds up. Yes they did give back the money but that was during the time my back but that was a different charged not the same one. Funny thing is now logged into my wife 's bank account it doesn't show that amount on XX/XX/2020 was taken out but just deposited in. I'm very fustrated especially with a time like this where my rent is due and the bank is doing this to me. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I put in a previous complaint but Hauge Associates sent me a letter stating they will try to charge blue shield. But i stated clearly that i am covered by medicare not XXXX XXXX. I had XXXX XXXX back in 2020. They are using false information that will get the dispute revoked. Hauge Associates are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear all, I booked a return flight for XXXX from the US to XXXX using points from my Chase Saffire Reserve account, on the Chase Travel portal. The flight involved two different airlines - XXXX XXXX and XXXX. Flights were later cancelled due to COVID. I requested a refund through the Chase online form. I then received an email saying I could only request vouchers from the airlines and couldn't get a refund. I did that and got two vouchers. I was later informed that it is illegal to force a voucher and I should have been offered a cash refund option, so I called Chase back. They refunded me ( in form of points back into my Chase account ) the XXXX XXXX flight, but said I had to contact XXXX directly for that flight. I called XXXX and they said I can't get a cash refund because I have already accepted a voucher. I told them I accepted it only because Chase told I had no other choise, so they said to discuss it with Chase. I called Chase several times and finally submitted a written request. They said there is nothing they can do and did not admit to their error, although i told them to review my recorded customer service calls to listen in on how I was given no choice. XXXX is not an airline I plan to use in the future and they recently cancelled the itinerary I needed for the dates I needed, so I had to book a new flight at my expenses. The mis-communication was between Chase and XXXX and I dont think it's fair for me to be stuck with a voucher I have no way to use. The total amount of the trip was {$560.00}, the amount that was not reimbursed was {$250.00} for a total of XXXX points ( I can't see how many points for each flight, but I was already reimbersed points back for the XXXX airline leg ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. the list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-05-26
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:
These are not my accounts or inquires

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 2018-04-06
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Fraudulent activity. Someone withdrew money off my card.

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 2020-05-19
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:
Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  pull my credit without my consent and made a hard inquiry which lowered my credit score significantly. 

Date of unauthorized pull : XX/XX/23

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