BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my car for {$13000.00} my friend put the money in my account with money orders. They froze account, I provided the studs to all the money orders as proof and they never gave me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: FL
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:
Good morning... I have written XXXX  and XXXX multiple times letting them know that i believed that there is a bankruptcy on my credit report reporting inaccurately..they investigate and nothing changes it is still reporting inaccurate information... i wrote the court directly and they stated that the information being reported on my credit report is incorrect, ,i have attached a copy of the letter and a copy of my credit report as proof

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 2022-06-02
Company: Experian Information Solutions Inc.
State: MI
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:
hard inquiries from these companies, 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 2022-03-16
Company: Experian Information Solutions Inc.
State: MA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-16
Company: EQUIFAX, INC.
State: MA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This dept was previously disputed on CFPB website on XXXX18. The original debt collector was XXXX XXXX XXXX, the debt was then removed from my XXXX credit report however, it was recently added back on to my XXXX Credit Report again from a NEW debt collector " Sourcerm ''. 

Sourcerm NEVER made any attempts to contact me. I only found out about it when I logged onto my XXXX XXXX account a few days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: MS
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:
Some months ago, I disputed XXXX XXXX XXXX XXXX ( XXXX ) /XXXX Account ( See Attached ), on my Experian Credit Report, to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.

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 2018-08-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear to whom it may concern.

It is extremely difficult to reach anyone by phone and dispute a charge with PayPal.

We have tried since XX/XX/XXXX to resolve this.

Eg.

Dear Paypal.

We have Tried to call you months ago.

We also disputed moviepass as they have never honored their unlimited movie offer.

We also wrote to Paypal.

Where is the open case that we opened 5 months ago?

If Paypal doesn't handle disputes correctly We Will have no choice but to complain to the state regulator and Cfpb.

As requested 5 months ago please Credit our account the {$89.00}.

Please pass on to management as we have never received acknowledgement.

Or a pH. Call.

Or a letter from PayPal. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Some months ago, I disputed XXXX XXXX XXXX XXXX  ( XXXX ) /XXXX  Account ( See Attached ), on my Transunion Credit Report , to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX  Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.

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 2020-03-08
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:
XXXX XXXX Opened XX/XX/2019 with a balance of {$3500.00}. THIS IS A FRAUDULENT ACCOUNT THAT I NEVER OPENED!!! 
XXXX/XXXX- Opened XX/XX/2019 with a balance of {$11000.00}. THIS IS A FRAUDULENT ACCOUNT!! Both these accounts were opened during XXXX time.

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 2018-08-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My credit was perfect! I'm in the process of buying a house in discovered that XXXX is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
Back on XXXX XXXX i received a text message from Suntrust Bank that i have deposited multiple checks using the mobile app on my checking account and that they were going to hold the checks until the following banking day which was monday. I received the text on sunday night. The following day i went to the local branch directly which is XXXX minutes from my home to report fraudulent activities on my account and that the checks deposited and all of the debit card transactions were not mine. The debit card used was for my daughter. i spoke to her and she informed me that she had lost the card and long time ago and was unaware of these charges The checks totaled at least XXXX dollars plus. The debit card was used multiple times by the same person. The bank used my Suntrust Credit Card as a line of credit and charged my XXXX over {$5000.00} plus now and expect me to pay the money back. I provided the bank with police report and they still charging me for fraud and accused me of benefiting from this fraud. This ABSURD. I requested for the bank to do their investigation by providing me with the IP address from the phone that was used to deposit these checks on my daughter 's name. The bank has refused. My lawyer sent letters requesting proof. They have refused. I have the local police department XXXX XXXX who is currently working on this case. He has video footage of a man using the card and the bank still want to charge me for fraud and now my personal credit card is charged, My name has been sent to all XXXX credit reports as delinquent. This situation has caused me XXXX XXXX  and DISTRESS. I can not afford to hire a lawyer and this is the reason why I am asking for help with your agency. I have no where to. My credit is ruined and I can not apply for any loan where I am innocent. The bank also took the little bit of cash i had in my checking account as well to cover fraud charges. I am saddened by this accusation and specially i have nothing to do with the fraud charges. The bank is refusing to provide documents to where I am responsible. PLEASE HELP ME to solve this issue.

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 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a victim of a fraud and Bank of America canceled my card and I told me I wasnt gon na be able to bank for the next 5 years. Its been a year I been trying to fix this but I seem to get no where. I have XXXX reports and pictures thats I was fraud with trying to put fake checks in my account.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
There is a very anomalous and bizarre situation going on with my credit score. I have credit scores from XXXX and XXXX, but nor TransUnion. I do not how that is possible, considering they all use the same information. This situation affects credit reporting with other agencies and it has a damaging effect on my credit.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account was late based on a special circumstances ( hardship ) all fees were waved ( 1 time exception ) but my credit reports late 30 days

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 checked my full credit report and saw many alarming error reported still after i sent certified letters to the credit bureaus to let them know some inquiries are showing that i DID not authorized not recognized, i do not have any accounts with these companies what so ever! 

I patiently waited 30 days after sending my letters and its still showing and i didn't received any response from them either. very frustrating i work hard to have a good credit. 

Here are the inquiries that are on my report and need to be removed. 

Transunion reports : XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX ( Hotel and travel ) - XX/XX/XXXXXXXX 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