BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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. 
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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 carful review of my credit profile I notice multiple unauthorized inquiries. I filed a police report. Please remove the following inquiries from my credit profile - these are unauthorized inquiries. 

XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX XXXXE ( XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT A CREDIT REPAIR COMPANY

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-12-21
Company: Experian Information Solutions Inc.
State: FL
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:
It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported Experian still does not have my correct telephone number and even though I have reported and repaired the number multiple times. XXXX is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!

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 2018-10-04
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered a 30 trial of XXXX XXXX XXXX Next is a sequence of events Aprox XX/XX/2018 i ordered XXXX XXXX XXXX ( i have email ) a 30 day trial to see if it would work in my area XX/XX/2018 i sucsessfully registred my account order number XXXX I have email I recieved my equipment and the XXXX telephone man came to verify that phone line was working, i hooked up my equipment and tested it for promised speed, streaming one tv I could not log onto my computer I called the XXXX tech line and he was helpful and told me that there was not enough speed in my area he tried to increase from his side and asked me to power down and try over the next day I did with no results XX/XX/2018 so i called back and cancelled my service they sent me a return lable to send my equipment back ( i have email ) XX/XX/018 i dropped off the equipment and i have a drop off comfirmation ( i have email ) XX/XX/2018 return complete tracking number XXXX Proof of delivery XX/XX/2018 @ XXXX ( i have email ) Starting on XX/XX/2018 i started recieving automated phone calls about paying my bill i had not recieved my bill yet in the mail I called XXXX that week and asked what was the issue i only had the service for three days before i canceled the thirty day free trial the person on the phone said she could see where i cancelled my service and that i needed to wait for the final bill The first bill came first week of XX/XX/XXXX days after ordering for XXXX dollars I called again the second week of XXXX after multiable auromated calls to me about my XXXX bill being late again the person on the phone said the same thing that they see where i canceled after three days and that i should wait for the final bill The third week i was still getting automated calls from XXXX about my bill so i called a third time and asked why and again they said just about the same thing wait for the final bill this time i asked if they could at least turn off the daily automated bill collecting they said yes and that stopped Thank goodness Now the forth week of XXXX i recieved a threating call from XXXX XXXX   debt collection, i refused to speak to her because of her attitude and i was at work At the end of the forth week of XXXX i recieved another call from convergent a very nice man and i told him the same thing i have stated here and he said he would send it back to XXXX with my statement, Last day of XXXX i recieved another XXXX bill for the same amount XXXX Three days later XX/XX/XXXX i recieved a bill from convergent To the best of my knowlege this is a true statment of facts Please help me take care of this

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 2023-04-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-02-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-01-14
Company: SYNCHRONY FINANCIAL
State: NC
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:
I've recently checked my consumer report and I notice that this company placed an unauthorize inquiry on my consumer report. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation. There are no open accounts tied to this account on my consumer report, nor did I allow this company to report my personal information to any reporting agencies. Additionally, I am a protected consumer, this company is sending me mail which is a form of communication when I never done business with them before, nor did I get proof of my ignition of the account. I am demanding this inquiry to be deleted from my consumer 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX  Balance : {$7500.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX  ) XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX ( Original creditoXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF ED/XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1800.00} ; XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : 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 2019-07-29
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX  account..XXXX reported to the credit bureaus an outstanding bill after service was cancelled. I made numerous complaints to XXXX for poor to no service. XXXX broke our contract because it could not provide consistent serviceyet it tries to charge me and negatively reports me to the credit bureaus

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 2022-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account with Citizens Bank on XX/XX/2022. I opened the account with Promotional Code : XXXX. The promotion states you are to receive a {$400.00} bonus if you have direct deposits totaling {$500.00} and 50 transactions on the debit card that is linked to the checking account within 60 days of opening the account. I have met all of these requirements. I have called the bank several times and each time I am told a different answer on when I can expect to receive the {$400.00} bonus. I feel I am getting the runaround at this point. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/17 Balance : {$4100.00}

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 2021-07-16
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:
While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Please See Attached FTC 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
I've had XXXX hard inquiries that were not authorized by me on my Trans Union credit score from XXXX ( XXXXXXXX XXXX ) on the following dates : XX/XX/2023, XX/XX/2023, XX/XX/2023. 

I have never had any type of credit card or account through XXXXXXXX XXXX, nor have I applied for any new credit cards through XXXX. These inquiries were never authorized by me.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I would like TransUnion to remove the hard inquiry from XXXX. I received a letter from them stating that the hard inquiry would be removed and its been almost 3 months.

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 2023-02-24
Company: Credit Karma, LLC
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:
My credit score shows me one thing when I check but when I apply somewhereand lift freeze it shows them about a 100 points lower

Company response to consumer: Closed with explanation