BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint against TransUnion. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus.

I requested that TransUnion provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. TransUnion has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. TransUnion continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with TransUnion to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

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 2021-10-30
Company: Experian Information Solutions Inc.
State: OH
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:
There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX -CXXXX XXXX XXXX, XXXX # XXXX -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 2019-07-14
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX And XXXX XXXX are both reporting on my Equifax report when the insurance company notified both companies to re submit claims that do not belong to me. The were removed from XXXX   report but XXXX XXXX is also on my XXXX   Report. They cant accept money from Medicaid and balance bill and re direct the bill to the parent. But its not o. My husbands report? I am only assuming the bill may be my dependent but I never received anything and Medicaid has resolved these.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am desperately seeking your assistance in clearing up a mistake that Nationstar made on my home loan account. I would appreciate you looking into my account to advise of further actions needed. 

I currently have an FHA loan on my home. To give you some background, I lost my job and fell behind on mortgage payments, for fear of losing my home to foreclosure I placed my home on the market and have a buyer to purchase at full asking price. With this I am able to avoid foreclosure or short sale and am able to pay Nationstar the full price I owe on my property. 

The problem is that Nationstar mistakenly recorded a partial claim deed of trust in error. This partial claim was recorded XX/XX/2016, but a a denial letter for modification ( associated with the lien ) was sent after that was recorded XX/XX/2016. My title company and myself have been dealing with this for 2 months now. Nationstar, attorneys for Nationstar, and HUD all acknowledge what the problem is and that Nationstar mistakenly recorded this on the title, but are not promptly acting on this to correct their mistake to clear this title. I actually have recorded telephone conversation from Nationstar stating that " it is their mistake '', they " do n't know how this happened '' and " someone make a big mistake here ''. I can send you these recorded conversations per your request. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for something in writing stating that there is no lien, or account if any sorts attached to the title by Nationstar. 

I have been getting a runaround for months from Nationstar. Every employee I speak to ( or that the title company speaks to ) states it will take another day, week, etc to correct. I 'm begging for your prompt assistance. Nationstar has officially delayed closing for over a month and this is causing great financial distress. I do not wish to have to retain attorneys as many have suggested to force this issue to be corrected, I just want to resolve this quickly so I may move on in an attempt to rebuild my life. 

File Number-XXXX-Address-XXXX XXXX XXXX XXXX ( Email Ref=XXXX ) Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Alternative contact regarding this situation is : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to dispute a hard inquiry on my credit report. Check into cash has checked my credit twice this year without my knowledge. I was not informed that my credit will be checked when I was applying for a personal loan with them. I have been one of their customers since XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX are the dates they have checked my credit. I would like for those inquiries to be removed off my credit report. It is not fair to process a credit check without ones knowledge. Thanks in advance.

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 2021-05-20
Company: GOLDMAN SACHS BANK USA
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After receiving an email advertising apple XXXX XXXX cases at half price from a company by the name of XXXX, I placed an order for 4 cases on XX/XX/XXXX ( 1 for each member of my family ) using my Apple Card. Total price was only {$120.00} The company, XXXX, never sent me the cases. Further their website was shutdown and there are numerous comments online about the company being fraudulent - portraying itself as being part of xfinity but never shipping anything to anyone and not actually being part of XXXX. 

I have since tried to dispute this charge with my Apple Card by Goldman Sachs. Despite submitting the only info I have multiple times and pointing out that the XXXX  website was shutdown and that the company was a fraud, Goldman Sachs has opened a dispute, credited the charge and then reversed the credit in the favor of the vendor 3 times. On XX/XX/XXXX, they finally sent me an email letting me know that the dispute had been decided in my favor but they had already reversed the credit. When I initially called to ask and them to credit the charge, the agent apologized that it had not happened and told me that she was escalating the issue to her supervisor and that it would be taken care of right away. I called again this past Sunday and the same thing happened - Apology, filing a report, it will be adjusted and you'll get a call from a supervisor, very sorry. 

Yesterday, I once again called and the agent told me that the email stating that the dispute was resolved in my favor was in fact an error and that we could once again start over and contest the charge ... I can't make this stuff up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: ID Analytics, Inc.
State: LA
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 mailed a certified letter to Sage Stream asking them to freeze my credit report over a month ago and to this day the request has gone unansewerd. My credit report is stillll not frozen by Sage Stream. I would like for them to freeze my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX . 
XXXX La. XXXX Last four of SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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:
Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83 Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX  Times XX/XX/XXXX Days Late XXXX ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: WA
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 the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my XXXX  credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with XXXX, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that XXXX  requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX  XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Please see attached to this complaint.

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 2020-12-04
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email stating that I needed to submit documentation within 5 days or my account would be suspended. I called the same day and found out what documentation, and then submitted it while on the phone with chime customer service. My account was then suspended that day. I was told to wait 1-2 business days. I did, and still no resolution from chime. I called and then received an email stating I needed to submit all the documentation again that I had already submitted 3 days before. I resubmitted and then received an email that my account was closed because of a document that was a scan. I called and was told to resubmit my social security card, which I did immediately. I received a response back the next day that said I need to wait 2-3 business days for a resolution, and that if I email back it will cause the time frame to be longer. I have tried to call and since my account has been closed, the automated system will not let me talk to anyone. It has been 5 days and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is being reported as Collection/Charge-Off.

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 2019-03-12
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:
I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: EQUIFAX, INC.
State: WA
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 the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my Equifax credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with Equifax, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I see a charge appear on my credit card without me using it to make a purchase. I notice a charge of XXXX XXXX from XXXX appearing on my credit card before the transaction was completed, I also see a warning saying that I don't have sufficient payment history and an immediate payment of {$2800.00} is demanded.I already reported similar incident that happened with XXXX charge appearing on my statement without a purchase made CFPB case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened my checking account at Huntington bank with a {$200.00} incentive bonus on XX/XX/19. Requirements are deposit XXXX within 30 days set up direct deposit and keep the account open for 90 days. All the above requirements have been met. Called on XX/XX/19 and the representative told me the money will be deposited in a day. Still no {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Account status incorrect

Complaint:
Ive contacted XXXX & they told me Ive never missed a payment, yet Experian refuses to remove me from being listed as 30 and 60 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. 
I constantly have to do Experians job for them to defend my credit & prove my identity. 
Ive send documentation ( BANK STATEMENTS ) of months in question prior and they STILL refuse to remove these harmful negatives from my profile.

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 2019-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and 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