BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
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: Account information incorrect

Complaint:
These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX  XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55 % Balance : {$550.00} / {$1000.00}

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 2023-08-10
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-08-10
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently obtained a Raymour and Flanigan credit card through TD. I have not received a statement and am unaware if a payment is due or how to make a payment as i do not have an account number yet. I have attempted to register online to self service several times but am unable without an account number. I have tried to call customer service multiple times and am always on hold for at least 30 minutes before i give up. I waited one time over an hour and a half on hold with no answer. I have never been able to speak with a representative. Additionally i have emailed two separate addresses at TD and received very prompt responses to both giving me a phone number to call in order to receive assistance. In both cases the hold times were greater than 30 minutes and i was not ever able to reach a person. In one email interaction i asked for someone to call me back. That request was never addressed or fulfilled. At this time i am unaware of my payment amount, due date, or how to make the payment and i am concerned that my promotional financing will be impacted. While hold times can fluctuate, excessive hold times for multiple weeks with no workarounds are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission.

1. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of XXXX : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Sincerely, 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 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachments.

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 2023-08-10
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-02-17
Company: Optimum Outcomes, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Optimum Outcomes XXXX XXXX XXXX, XXXX, TX XXXX sent me a collection letter dated XX/XX/2021 and called me prior. On XX/XX/2021 I called Optimum Outcomes and spoke with XXXX. When I gave him my phone number and birthdate, he said it did not match and stated there is an error and it will be corrected and I can ignore. I also contacted the creditor and they said my account has no discrepancies. They have another member with the same name file and that may be the error. 
On XX/XX/2021 I mailed Optimum Outcomes a letter outlining the above and requested they provide me documentation regarding the debt, to cease contacting me and to ensure no negative information passed to the credit bureaus. 
Since then, I've been contacted by Optimum Outcomes on XX/XX/2021 and XX/XX/2021. 
I called Optimum Outcomes on XX/XX/2021 and spoke with XXXX and reviewed the above information. She again verified my personal data did not match what they had on file. 
I've mailed Optimum Outcomes another letter on XX/XX/2021 to dispute the collection and to cease contacting me. 
I called the creditor on XX/XX/2021 and she sent her Account Manager an email to contact Optimum Outcomes to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
Credit Inquiries From Unknown Sources

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX we made a balance transfer from our Bank of America Platinum rewards for {$1300.00} to XXXX XXXX . BoA does not allow electronic transfers to XXXX so a paper check from BoA, written and sent by BoA, was mailed on XXXX number is XXXX. XXXX XXXX received and cashed this check XXXX check was under My name, but deposited into and incorrect XXXXXXXX XXXX account number . Somehow this check had a clerical error, and two numbers on my account were transposed. I do not know who the other account belongs to an I am not privy to confidential information. Subsequently, once both BoA and ourselves realized that this error occurred, disputes were opened with both banks. Dispute was opened with BoA onXXXX. BoA never sent us any communication of the status of the Dispute. We were told to wait a month. On XXXX we contacted BoA to follow up and were told different things by different people. We spoke to both the Balance Transfers Department and Disputes. Spoke to XXXX, XXXX and XXXX to name a few. We were told by BoA that they had contacted XXXX XXXX and they received a letter stating that the account number on the check was a valid one. I also contacted XXXX XXXX and was told that BoA had never contacted them and they had no evidence of any approach by them. They were unable to give me any information as the account number the check payment was remitted to is not under my name. I was told multiple times by BoA that we would be contacted via phone. We received no follow up calls. On XXXX I again contacted BoA and was transferred from Balance Transfers Department back to Disputes. I spoke to XXXX who was incredibly rude. She said we would receive a copy of the front and back of the cashed check within 7-10 business days. I asked to speak to whichever 'specialist ' was handing my dispute, XXXX XXXXXXXX. I was told their department has no phone number or messaging system to contact these 'specialists ' and that they would call me back. I asked multiple times for a copy of the letter XXXX XXXX sent BoA and no information was shared. XXXX then ignored by requests to escalate the situation, I told her I was ok to hold for some one who could better help me. She hung up on me. Im sure theres a recording of this. In conclusion, I still dont know if I will be credited back the {$1300.00}. I will be following up with my dispute with XXXX XXXXXXXX and go from there. We have been customers of BoA for 12 plus years and are incredibly hurt by the treatment we have received. We don't know what the next step is with BoA and how we are going to recoup our money.

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 2021-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Description sent to the FBI and FTC I am currently unemployed and applied for a job using XXXX on XXXX. It was XXXX XXXX  XXXX XXXX position at a XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). On XXXX I received an email response and was invited for an interview via XXXX with XXXX XXXX. She offered me the job, sent me paperwork to sign, and said they would be purchasing a computer and equipment for me to use. They sent a XXXX  check for the equipment in the amount of {$4800.00}. The checked looked very professional so I deposited it. I've been out of work for soo long and was very excited to get started. They said the check would take 2-3 days to clear, so I offered to use my money to pay the local vendor while their check clears. I went to the bank, got a cashiers check and used it to transfer {$4500.00} to the account they said was their local vendor, who would put everything together and would deliver. The vendor Mr XXXX XXXX texted me and asked to verify my address for the delivery. Meanwhile they asked for a picture of my driver 's license for a background check and had me email it to XXXX When I started getting suspicious I found out the address on their check is the same address for a liquor store in Illinois. I asked XXXX to respond to a XXXX connect/message to verify her authenticity, XXXX XXXX repeatedly assured me that she would, but I never received a response from the real XXXX XXXX on XXXX. Before the interview, I looked up the XXXX Job description but the page was not there. I thought the employer simply stopped taking new applicants. XXXX took down the page and left no warning for me or others. Chase bank lifted the hold on the deposited check and rejected the transfer due to the account being closed. They would not reverse the {$4500.00} transfer either. Furthermore I received a call on XXXX from a real estate agent XXXX of XXXX Georgia asking for a XXXX who had registered my phone number on a XXXX ad. It's a very odd coincidence, hopefully nothing but I am now afraid someone is using my identity. 

The reason I am reporting this to the FBI is that it involves more than one state. I live in California, the check 's address is in Illinois, XXXX is in XXXX Virginia, XXXX is in XXXX XXXX or at least that's where their phones originate from. The communication was through email, XXXX, and text messages from 2 phone numbers ( XXXX XXXX Virginia XXXX ) and ( XXXX XXXX - XXXX XXXX XXXX XXXX ). 

Please Note the XXXX account is still active and I am still getting responses. It is possible to trace a XXXX IP address using a XXXX machine and running a trace route using XXXX command prompt. All I would need to do is allow you access to my XXXX account and you could find this person 's IP address. 

I contacted chase and they are unwilling to help me retrieve my lost money from : Bank Name : Chase Bank Account a name : XXXX XXXX Account Number : XXXX Routine Number : XXXX

Company response to consumer: Closed with monetary relief