BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
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: Information belongs to someone else

Complaint:
I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXXXXXX XXXX  reported 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 2020-10-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not 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 2022-09-25
Company: Experian Information Solutions 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:
On two separate occasions ( XX/XX/22 & XX/XX/22 ) I have reached out to EXPERIAN and I have also reached out to XXXX on two separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. The accounts still remain and have not been fully validated by either credit bureau. 



Experian ( XX/XX/22 & XX/XX/22 ) -Account Name XXXX XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 ) -Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Chime Financial Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I got an email saying my account close and I been with this bank for years. They close my account with XXXX dollars for no reason. They couldn't even give me a reason. I call and was told they was going send me a check in the mail within 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. Experian still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your 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 2023-06-26
Company: CITIBANK, N.A.
State: MO
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:
XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant

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 2018-07-26
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


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 ( Experian : XXXX   XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX : XXXX ), XXXX  ( Experian : XXXX, XXXX,XXXX,XXXX XXXX  : XXXX, XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : 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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Transunion and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX  XXXX BOX XXXX XXXX, NY 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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! 

There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account Portfolio XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXXXXXX, XXXX # XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful non compliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 


Thank you for your cooperation. 

Sincerely, 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 2022-11-21
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:
I checked my credit report and noticed a fraudulent credit card opened under my name with coastal credit opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it 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 2023-06-15
Company: Experian Information Solutions 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:
XXXX Bank is being reported as a charge off on my experian consumer report. I never received any notification of this collection. Furthermore, according to the IRS a charge off is considered income. Why is experian reporting income on my consumer report? A charge off cant be considered both income and debt. This is illegal and Im requesting for it to be removed immediately! I will also be filing a FTC complaint regarding this matter

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 2019-03-31
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received {$2200.00} credit line but when attempting to make a purchase of {$1000.00} it was consistently declined. Since I do not have internet access at my home I asked a friend to sign me up to XXXX XXXX. So if that an influence in their decision I thought I had made that situation clear to the Customer Servicer Rep. However Pay Pal Customer Service offer no explanation of rejection of payment other than it is not possible to make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
When I would go in a car dealership in a span a lot 3 year they gave me hard inquired and they always would tell me it was soft inquires I didn't know the different about the two its not since 2 years ago I started to look into my credit and saw over XXXX inquiries in experian I didn't know they were send my credit all over the banks and credit unions.

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 2018-02-04
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:
On XX/XX/XXXX I wrote a letter to Transunion seeking the information used to validate the following Debut reporting on credit report ( XXXX XXXX ). I received a copy of my credit report stating the investigation has concluded and that the debut is valid. Id like to remind Transunion that along with the letter I sent my XXXX which as an XXXX XXXX service member shows my entry and exits to the the UNITED STATES OF AMERICA. i only recently returned in XX/XX/XXXX. The date reported as opened is XX/XX/XXXX which is impossible as I wasn't present in the USA. Secondly, I havent received anything the validates this debut yet you are continuing to report this fraudulent account. Send billing history doesnt constitute as validating the debut. As you know with fraud the account is placed in another persons name. Where is the signed contract with XXXX XXXX, Where is the reason the amount is owed. Also, I subpoena the Tax transcripts for XXXX XXXX  the account was listed as a profit loss and there for the company was given tax deduction brakes according to the law. This debut isnt mine and doesnt belong to me I want it removed. As you are in violation of the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act and causing defamation of character.

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 2020-07-12
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, Experian recieved a non response letter from me. Prior to this letter, I sent a letter demanding that they provide me with proof of documentation with my signature on it for the XXXX accounts listed. It is XX/XX/2020, 39 days later, and I have yet to receive a response letter. I sent all my letters to them via certified mail. I also have copies of the letters.

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 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is an extension to a former complaint filed a few days ago with NationStar. After XXXX Title Company tried to pay off the lender for my home the lender NationStar rejected the payment saying the payoff amount was short by XXXX but could n't tell us where that amount came from and why. They sent us a new payoff balance which stated that the new payoff amount was not short by XXXX but actually short by XXXX but again could not tell us why or what for. We spoke with XXXX different representatives who all stated that it was an error on their end when giving us the payoff balance but they could n't pin point what the error was from and how they got their numbers. XXXX Title Company decided to pay them the extra XXXX out of their own company funds to be done with the situation. Upon sending NationStar the new payoff balance with the XXXX difference somone mistyped and over payed NationStar by XXXX We contacted NationStar who said that they were unable to return the wired overpayment because their system showed the received the fund through a check not a wire. XXXX with XXXX XXXX gave them wire transfer information proving they were wrong and that the funds were indeed sent via wire. We spoke with a XXXX, XXXX who said that they would send the XXXX back but could n't until AFTER XXXX days due to NationStars policies. She then changed her story stating it could be done after XXXX days. She then again changed her story and said that we could put in a request after 18 days to try to get the funds returned and that it would need to be processed and if approved then we would receive it via check in the mail through XXXX. She said that she could not send the funds to XXXX XXXX that she could only by law send them to me. So now we have to wait XXXX days to received this check once it 's sent here to XXXX to me I have to signet over to XXXX XXXX and overnight it to their offices in XXXX. I 'm extremely irritated that NationStar changed the payoff amount AGAIN and can not tell us why. I 'm extremely irritated that they will not return XXXX Title Company 's money to them. I 'm extremely upset that they changed the payment received in their system in order to prolong the refund process. This company is beyond ridiculous, unprofessional, and fraudulent. Attached you will find the documents showing the payment differences the wire transfer and the over payment to them supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacted repeatedly by Portfolio Recovery Associates in regards to account XXXX, this account is over 7 years old, and should no longer be on my credit report. They have illegally re-aged this account to make it appear newer. When I wrote to them asking for validation, I did not receive a response. They call me from different numbers numerous times a day, and will not stop. I am attempting to get my finances organized, and their attempts to collect a debt past the statute of limitations, and their illegal re-aging of the account are preventing this from happening, and I do not feel this is fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the  sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation