BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was denied a copy of my credit report due to a vehicle, I have no knowledge of. After I tried to pull my credit just last week I found that I was being sued for XXXX for a car wreck I am assuming. I tried to let the company know I have not filed a claim nor have I owned a vehicle in quite some time. I have purchased and sold cars but lease one never. Please help me get this rectified, it is keeping me from getting a job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of these apartments with a XXXX balance and after turning in the keys doing my walk through it was determined I owe nothing my deposit would be kept because I moved in on a special and did not pay a full deposit just for normal cleaning fees. Now It saying I owe XXXX and I don't. I am not paying these people for a debt I do not owe and it is making it so me and my family can not move the debt is with National credit Systems inc. for the XXXX XXXX XXXX  XX/XX/2016 They account number is XXXX the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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 accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: MIDCOUNTRY FINANCIAL CORP
State: MO
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 dont fully have access to my credit report so no dates are available for me to give Ive been declined to access my accounts. I cant proof my identity to get a job I am a United States born citizen an I am asked for proof of my citizenship for everything. I cant establish credit with anyone nor can I open any bank account or rent an apartment or house under my name. I got creditors lying on my report The last and only time I was able to access my report reopening accounts I try to dispute things and nothing gets done I receive voicemail daily from companies claiming I have a severe issue with my supposedly financial aid loans I never had. I am wrongly been fired with no explanation from every job I previously had. My tax information supposedly was burned in a fire at the XXXX of the XXXX in XXXX Missouri so when I received my end of the year tax report it was missing information or it was made up information that wasnt accurate because I was highly charged for it. I never received all of my tax return for XX/XX/2018. I have cell phone companies such as XXXX XXXX XXXX and XXXX I had business accounts open with them and I didnt. XXXX XXXX XXXX authorizes equipments and services on my account without my consent and billed me for it and when I asked to have it removed or exclamation they cut my services off but continued to bill me for services for months so now I owe them XXXX dollars. XXXX changed my personal wireless account into a business account without consent and when I sent my phone back to them that I was making payments on they still claim I owe them for it plus months of services I didnt have. XXXX also invades my privacy on a daily basis they tagged my IP address an follows me. Ive seen illegal immigrants receiving loans getting credit cards getting bank accounts receiving high tax returns getting into rental properties getting high paying jobs with little or no schooling an Im as a citizen of this country is restricted to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt appeared on my credit report. I am not sure what it is or who it is or why they are harassing me. I do not have anyone to have a joint account with. I am not married and I have no children. It could possibly be identity theft or theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A states I have the right to privacy The following names, Date of births, employers and addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX proper name is : XXXX XXXX XXXX XXXX address : is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX please remove all employers Fromm XXXX credit report proper date of birth : 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ( XXXX Credit Card ) I have three existing XXXX  XXXX Credit Cards but unfortunately, for just about 2 weeks now, my XXXX credit card has been giving me tons of headaches.. 

XXXX XXXX claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, XXXX XXXX has started to GIVE INACCURATE information to XXXX and Transunion. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and Transunion has rectified the initial report, but XXXX XXXX still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why XXXX XXXX is reporting my running balance even if they have already reported my statement balance.

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 2019-05-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Both yesterday and today, XX/XX/2019, I have tried to contact Experian more than 20 times, tried various numbers. Every single number I call is operator and it is absolutely IMPOSSIBLE to speak with a Human. I am very upset and frustrated wasting my time while at work. This place is a complete scam. I am desperately trying to unfreeze my account. I had to freeze it because of Experian exposed ME to fraud issues over a year ago. I have my PIN and for some reason it is not working online and I can not do anything to unfreeze my account. There are absolutely no options.

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 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. 
I'm a victim of their inquiries issues

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 2018-01-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not receive my regular monthly billing statement for my XXXX XXXX XXXX backed credit card account. Upon receiving notification from the company that the payment was late via telephone, I traced my email records and found they did not send the statement. I contacted the company to resolve the issue and THEY CONFIRMED they had an issue sending the statement and that it did not go out that month. Even after admitting the company had an issue, they refused to refund me the late fees. Therefore, I requested the amount due minus the late fees and paid that amount in full. The remaining amount on the account is 100 % late fees charged to me but are a result of a technical issue which prevented the company from sending me my monthly statement. 

The XXXX XXXX XXXX representative admitted it was an issue caused by the system of the company and not my fault. I refuse to pay a late fee to them as I was not to blame. I paid off my account balance in full and the remaining amount is the unwarranted late fees which I am disputing. Please help me resolve this issue and remove this false claim reflecting negatively against my credit worthiness. 

Thank you in advance 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 2023-07-19
Company: Experian Information Solutions Inc.
State: AZ
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 explanation
Consumer complaint received 2019-12-27
Company: JPMORGAN CHASE & CO.
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:
I cancelled my XXXX XXXX Membership on XXXX I have been charged {$10.00} XX/XX/2019 to present since I cancelled and additional {$30.00} in XXXX totaling {$120.00}. I originally disputed the charges on line with chase. Eventually they were reverse and I continues to be charged. When I filled the original disputes I told them I had canceled and could provide documentation. I had documented that I expect them to refuse any further charges from XXXX XXXX XXXX. Then I notice I was still being charged on my AMAZON CHASE card for XXXX XXXX XXXX. I called this time they said no problem they would take care of it. Again some time goes by and I am still being charged by XXXX XXXX XXXX. I call and now they are saying they can not dispute all the charges because it past a certain time limit. That's crazy I was very specific when I said not to except any charges from XXXX XXXX XXXX. I have stated this from day one! I go to XXXX XXXX with my documentation and the managers tells me non of the employee that I have spoken to in the past work there. She said she has to fill another cancellation form. What? Said that is the only way to cancel it. I feel that CHASE has acted irresponsibly, I told them this membership has been cancelled on more than one occasion and told them not to except anymore charges form them. XXXX XXXX  XXXX is a scam with there billing practices ... .There is no one you can talk to to get dispute settled. I have documentatuion!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 amendments.In accordance with FCRA, I am requesting these accounts 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

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 2022-01-21
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For Fortiva Card Services, this debt was settled via my representative XXXX XXXX XXXX. The credit card debt with Fortiva MastercardXXXXXXXX XXXX XXXX XXXX is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; XXXX # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter to Fortiva om XX/XX/2021, requesting they correct the account on my credit reports ; the balance should be zero. The letter was delivered and signed for on XX/XX/2021. I'm requesting the account be deleted from my credit reports. I have not received a response. A copy of the debt settlement email is attached and a copy of the certified letter sent to Fortiva is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: GA
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:
Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXXXXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MI
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:
I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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: Account information incorrect

Complaint:
TransUnion is showing a late payment on my credit file for XXXX XXXX XXXX XXXX XXXX account # XXXX in XXXX of XXXX. Also TransUnion is showing a late payment for XXXX account # XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because I am disputing the information is not accurate on my credit report against Transunion.

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 2018-01-08
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My start date ( first day in the office physically ) with XXXX was XX/XX/XXXX. My hire date on my XXXX says my hire date was XX/XX/XXXX. I originally submitted my employment certification for public service loan forgiveness with my start date as opposed to my hire date. 

Despite the fact that I went back to school in XX/XX/XXXX-XX/XX/XXXX and have been in Public Service Loan Forgiveness repayment status since, XXXX XXXX is refusing to certify my employment with XXXX because of the discrepancy in the XX/XX/XXXX vs. XX/XX/XXXX submission, which is irrelevant to the fact that I am 1. still employed at XXXX ; 2. have been under the PLSF status since XX/XX/XXXX and 3. have submitted the XXXX showing the hire date. They are insisting on speaking with my supervisor. I have filed an EEO complaint against my supervisor and he has not returned numerous calls from XXXX XXXX. 

A federal government XXXX should be more than sufficient for certifying my ongoing employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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