BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4900.00}.

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 2017-07-26
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: Account information incorrect

Complaint:
I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. XXXX and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. Transunion shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed 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 2023-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
3 of my credit cards are not being shown in my Experian and XXXX Credit reports. However they are being shown in XXXX report. 

When enquired with the credit card companies, they informed me that the credit cards are being reported. 

When enquired with experian and XXXX they are saying they are not seeing the same. 

This might be because of names mismatch b/w the credit cards and what is in the report for experian and transunion. 

In XXXX report, however I see the both the names in listed names. Hence see the cards in the report.

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 2019-12-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to Experian to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to Experian to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to Experian and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to Experian for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no orginal documentation as requested. 

XX/XX/2019 : Wrote to Experian for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.

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 2021-12-15
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld systems XXXX XXXX at XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  I give proper notice of move out and it was due to XXXX which is extreme unpredicted circumstance. The account balance is inaccurate, the lease clearly stated that its on month to month base and if not given proper notice Balance owed would be XXXX months rent and the fees added are excessive and dishonest activity. 
Please Verified the debt. is the actual amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

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 2022-01-16
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was misled by a friends XXXX XXXX account ( which I had no clue it was her XXXX account until she recently posted on XXXX it was a XXXX  account ) on how she experienced receiving government bail out funds and received a check. I decided to give it a try. She informed me that I need to be referred to a XXXX representative in order for me to qualify. She said XXXX contact the representative regarding the referral and gave me the phone number of the representative for FGGD Bail Out Funds. I texted XXXX XXXX. He requested for my identity including a picture of my ID, SS # and XXXX profile. He said I qualified for the program and to choose wisely on the amount due to the delivery fees. I chose $ XXXX which was {$1300.00} in delivery fees. I paid it upfront in XXXX XXXX XXXX XXXXXXXX XXXX location to XXXX, XXXX. He said your delivery should be in tact. On the day of the check delivery, he texted me and told me the delivery was delayed due to the taxes of $ XXXX which is ( 5 % of the $ XXXX ) needs to be paid prior to delivery according to state law. So I was given the run around to send $ XXXX XXXX XXXX again to erroneous people in XXXX, XXXX. At this point, the tracking was put on hold in Arizona according to the tracking number he provided. I questioned it again on why its on hold and he informed $ XXXX must be paid for insurance fee due to complaints of missing checks. So I paid $ XXXX through my bank and wired the funds to XXXX, XXXX. He confirmed it was received. I then get an email from a FGGD representative stating due to the delivery situation that I went through, my funds were upgraded to $ XXXX and fees of of $ XXXX is required for the check delivery. Mind you, I didnt request for an upgrade which I was very upset with XXXX XXXX XXXX and he advised theres nothing he can do and is unable to refund me all of the funds Ive invested. I have all of the receipts as my proof of funds sent. 

My friend posted on XXXX today XX/XX/19 that she was hacked and XXXX XXXX XXXX is fraudulent and does not work for the Federal Government Grant Department ( FGGD ). Its a scam. Delete his phone number XXXX and XXXX. 

XX/XX/19 Western Union Fraud Department Spoke with XXXX operator XXXX Case # XXXX New tracking # XXXX in replace of tracking # XXXX from XX/XX/19 XXXX XXXX XXXX Western Union Fraud Hotline Tracking numbers and details for every transaction. 
A report will be filed for every transaction. 

XX/XX/19 XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX, XXXX XXXX {$650.00} XX/XX/19 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/19 XXXX XXXXXXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/19 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$750.00} XX/XX/19 XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX, XXXX XXXX {$750.00} Total {$4300.00} paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank Cash deposit on XX/XX/2020 XXXXXXXX XXXX  at the ATM of the branch located in XXXX XXXX XXXX XXXX XXXX In a normal day I Went to the local chase bank to deposit cash deposit like so many times before thinking I can trust the us banking system ..to be able to pay some bills.I took some money from my saving account and went ahead to deposit money into my checking account right after. I got te receipt of the transaction confirming my deposit with the exception of the receipt asking me to call an 1800 number to make sure my deposit went through ... 
Little I knew that I will be the start of a roll a coaster ride and a nightmare from bankers promess to help to managers not following up or being of any help.. to different department telling me after whatever internal investigation we can't locate that deposit and not even a word of apology. For some one who use to work in the banking system I was flabbergasted that my bank stole money from me legally.. as even in third world countries you can't do it and have many rights as asking your branch to look at camera ... Every body was giving me the go around and I had to chase for my own money I work hard to get. Bottom line no answer no help no right unless u willing to take it to court.. no even answer to simple question : like did my bank contract allow me to go to court or binding arbitration- Does the atm belong to chase or a third party ... .At this point it's not even about money but principles and trust. The bank that I trust with my money stole my money!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by the Federal Trade Commission ( FTC ) the recent Identity Theft Report I sent to Chex Systems in regards to fraudulent and unauthorized inquiries listed on my Chex Systems Consumer Report ID : XXXX, Chex Systems is suppose to accept the Federal Trade Commission Identity Theft Report and immediately delete and remove fraudulent checking accounts and inquiries from a consumer, consumer report. I have sent Chex Systems numerous Federal Trade Commission ( FTC ) Identity Theft Reports in regards to fraudulent and unauthorized inquiries and checking accounts listed on my Chex Systems Consumer Report. Chex Systems continues to keep fraudulent and unauthorized inquiries listed on my consumer report. I want Chex Systems to immediately delete and remove the fraudulent Inquiries Viewed By Others and Only By Me from my Chex Systems Consumer 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 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 explanation
Consumer complaint received 2019-12-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received in the mail a check from cashing in some of my XXXX stock I called Suntrust bank ( XXXX ) the same day XX/XX/XXXX and asked when will my check clear because I need the money for my XXXX year old XXXX items that she wanted. I was advised during the conversation on XX/XX/XXXX that my check will clear in the morning. On XX/XX/XXXX I checked my account and noticed that {$200.00} was cleared and the balance of {$51.00} was being held until XX/XX/XXXX. So I transferred the {$200.00} that was cleared into my savings account which left me with a balance of {$11.00}. I have no idea what happened within 20 minutes but by the time I got to a gas station trying to get {$10.00} in cash I had insufficient funds ( How embarrassing in front of everyone at the store ) Now here I am with no gas to get to work. I called Suntrust Bank when they opened and spoke with a representative whom at that time told me that she will speak to the department who can authorize an early release of my funds. Imagine my surprise when the representative informed me that she spoke with the authorization department and they informed her that this check most like isnt going to be cleared as if the check was fraudulent. On top of all of the the hold was extended an extra week which means my daughter XXXX check wont clear until XX/XX/XXXX. This is so wrong on so many levels, the check is legit, from my stock. Also I would like my phone calls pulled and investigated because I know that no one from neither XXXX nor XXXX XXXX company told Sun Trust at XXXX on a Saturday morning that something was wrong with my perfectly legit check. They are taken away access to my funds for XXXX no fault of my own and I would like to Sue.

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 2020-01-25
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a debt collection notice from Credit Control LLC Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is XXXX XXXX and is regarding an XXXX XXXX account Account # xxxxxxxxxXXXX. I did not apply for credit account with XXXX XXXX XXXX XXXX XXXX. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or XXXX XXXX. I did not apply for this credit and this is not my debt.

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 2023-09-13
Company: EQUIFAX, INC.
State: SC
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 anticipate the XXXX and TransUnion Credit Bureaus will expeditiously remove the designated items from my credit reports within four business days, in accordance with FCRA Section 605B ( a ). My eagerness stems from the expectation of receiving a monthly updated credit report within 15 days from the current date. It is essential to reiterate that FCRA Section 605b mandates Credit Reporting Agencies to promptly eliminate any items identified by the consumer as information resulting from an alleged identity theft. In my case, these items are specified under reference # XXXX. This complaint serves as a follow-up to my recent submission dated XX/XX/2023. To facilitate the removal of selected items, I have taken the initiative to once again list them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Company: EQUIFAX, INC.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
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:
Over the course off the last 12 months XXXX has applied numerous invalid fees and charges ranging from fraudulent transactions to hidden fees. In all a total of {$4000.00} in these charges have been added to statements. I notified the company in XX/XX/XXXX that we would suspend all payments until the incorrect billing was fixed. The company failed to address the matter and suspended the account. The company are claiming we owe a total of {$8300.00}. I had initially agreed that of the {$8300.00}, {$4200.00} was legitimate fuel usage and offered to pay this amount providing they could provide a correct statement reflecting this. I spoke with XXXX XXXX who refused to look into the matter and threatened collection if we did not pay the balance. She then offered a 20 % discount to which I declined. I advised her we did not need a discount but only to be billed correctly.

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 2023-07-27
Company: Klarna AB
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023, I requested that XXXX XXXX XXXX  stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient will not stop calling unlisted relatives at their homes or jobs looking for me. I have made numerous requests for them to stop doing this, but my wife just got a call at her job about 5 minutes ago. I made another formal request to Navient this past week and here they are still making robo calls. 

Something has to be done. They are blatantly violating laws XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ive tried settling my loan, they refuse, I ask for a repayment play and they say my loan doesnt qualify. They tell me my account is in good standing so they can only assist if I default, so I default then they say my specific type of loan is ineligible. I borrowed XXXX, payed over XXXX back and I somehow owe $ XXXX after 10 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation