BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE ASKED XXXX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. XXXX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # # # # # XXXX XXXX XXXX  XXXX Account Number : # # # # # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 2020-10-31
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My purse was stolen XX/XX/XXXX. I called them they reversed the credit then in spet they took the credit back stating there was no proof my purse was stolen since there wasn't a police report. Even though what was purchased I never purchased it before. The amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EXPERIAN Dispute Confirmation # : XXXX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
XXXX has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 





XXXX/XXXX XXXX  ACCT : XXXX AMT : {$280.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$2500.00} XXXX XXXX/XXXX ACCT : XXXX AMT : {$3600.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm having issues getting the fraud alerts removed from my credit reports. I've sent in all information requested and they still appear on my file.

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: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX, I received my credit file from XXXX/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and XXXX Confirmation number XXXX investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX credit and is now called XXXX XXXX XXXX XXXX for XXXX tire in XXXX XXXX Michigan for XXXX XXXX and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from XXXX as well as XXXX and Experian , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that XXXX, XXXX and Experian should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my XXXX file and she stated that the closing date is not in their system but the last activity XXXXI know this account is more than XXXX XXXX old.Therefore, XXXX investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-10-31
Company: EQUIFAX, 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:
Im a immigrant and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a immigrant Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXX XXXX  XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im a XXXX  and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a XXXX  Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXXXXXX XXXX XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXX XXXX  XXXX  XXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX  - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized

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 2019-08-20
Company: First Data Corporation
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 a purchase was made at XXXX XXXX in XXXX Louisiana in the amount of $XXXX The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that Telecheck is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from 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 2017-08-04
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 HAVE ASKED XXXX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. XXXX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.

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 2017-08-04
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I logged into my XXXX XXXX this morning trying to keep track of my score because I am in the middle of getting a Mortgage. I noticed Midwest Recovery Systems on my report. In drilling down it says XXXX XXXX as the origional creditor. I have Never had a loan from these people and I do not believe they are legal in my state anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX my ex spouse requested to take her name off of a joint account ending in XXXX at the Chase branch in XXXX MI. The Chase branch manager said that by her doing this it would remove her access to my account. I was the primary holder. In XX/XX/XXXX I  was alerted to an approved electronic funds transfer being allowed out of my account to pay a Chase card ending in XXXX. I immediately alerted the Branch management team and they indicated that somehow my wife was still being allowed access through her own online portal to that account. I filed a claim for XXXX dollars the total amount of transactions Chase allowed from Ex spouse to transfer from the account to Pay her " Chase Credit Card ending in XXXX. I spoke with multiple resolution specialist who all agreed that I should be reimbursed as it was Chase error that they failed to shut down her online access to the account ending in XXXX that she was removed from in XX/XX/XXXX. After multiple attempts I was furthered directed to a person by the name of XXXX from Chase executive team who assured me on XX/XX/XXXX should would refer my matter to her legal team for review and final decision this was on an a recorded line. She called today and XX/XX/XXXX and indicated that even though Chase messed up they were treating as a fraud case and not an Chase error. And even though the Chase Electronic Funds Money movement team did transfer my funds to pay my exs spouse Chase card ending in XXXX She could had stolen my info anyway and paid it, so and I quote, " it was my responsibility to catch it! '' Are you kidding me!! If Chase didn't allow the online access to a customer who voluntary removed themselves from the account ending in XXXX the funds to transfer would have never of happened this is not fraud, this is negligence and So how is it my responsibility to make sure Chase as a banking institution in not allowing their customers who are not on an account to transfer funds from my account after they ( Chase ) initially told me taking the person off of my account would shut down the access to pay their credit cards in another person name!! It's pretty Ironic how they were ok with their own negligence because the authorized funds transferred they moved were to pay a Chase credit card. This is not Fraud its completely unacceptable and they need to step up and correct the error they allowed. I also have pictures of my ex 's portal with Chase still allowing her access to this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo has unfairly reported 60 day late payments to credit bureau. The late payments were due to false representation of the Pay Balance in Full functionality offered by Wells Fargo when I made a credit card payment. I made a payment of {$290.00} using the Pay in full button. Due to the fact that I used the Pay in Full button I believed my payment resolved 100 % of liability with Wells Fargo. However, Wells Fargo charged me {$2.00} interest 4 days after my balance was paid in full. The {$2.00} does not show up as a line item with a post/transaction date on any of statements but I believe it was generated on XX/XX/XXXX on the statement generation date. It is confusing and misreprentation to consumers to provide a pay in full button that does not in fact pay the liability in full. It is than unfair to say the consumer was 60 days late when in fact that consumer paid the balance in full. 

1. Based on a previous statement balance of {$93.00} a minimum payment of {$25.00} was due on XX/XX/XXXX. 
2. Additional purchases were made on XX/XX/XXXX in the amount of XXXX XXXX. XX/XX/XXXX a late fee was charged of {$25.00} based on the fact that did not make a payment 4. XX/XX/XXXX I used the pay in full button on the Wells Fargo website and paid the amount {$290.00}. 
5. {$2.00} was posted to my account as interest after I used the pay in full button. Pay in full should resolve the 100 % of the debt or the button should not be presented to me as a consumer. 
6. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance {$2.00} new balance is {$3.00} 7. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance XXXX new balance is {$4.00} 8. {$4.00} was paid on 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 monetary relief
Consumer complaint received 2020-07-17
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to XXXX, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, XXXX continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Medical Data Systems, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Medical Data Systems INC, added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, MEDICAL DATA SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove the 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 2020-05-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, have written this letter to dispute a claim that is falsely listed on my credit report. 

Party Owed : midland credit management Amount : {$8800.00} I am disputing this claim as I never had an account with XXXX  for this amount nor was I made aware I have received no notifications and when I attempt to do the responsible thing and contact I get no response. This is my official request to have the aforementioned item to be deleted off my credit report as again it is not mine, and can not be proven that it is mine. I did not open any XXXX  card in XX/XX/2019 for {$8800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Personal information incorrect

Complaint:
Transunion keeps posting Innacurrate employer on credit report. I do not work for XXXX XXXX, I work at 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 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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