BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-06-14
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX - XXXX submitted this information - Our records show on XX/XX/XXXX, an electronic credit correction was sent to the credit bureau ( s ) requesting them to update the XX/XX/XXXX reporting of the XX/XX/XXXX payment to a status D-No Reporting. Please note it may take up to 90 days for third party credit companies to reflect the update. Our Credit Department has reviewed your credit reporting, confirmed the correction was completed and advised all other reporting is accurate. 

I filed a dispute directly with Transunion on XX/XX/XXXX and received an update on XX/XX/XXXX still stating incorrect information. 

I filed a second dispute with Transunion on XX/XX/XXXX and received an update on XX/XX/XXXX still stating incorrect information. 

I called Transunion on XX/XX/XXXX at XXXX XXXX talking to XXXX and he stated that the dispute would be fixed immediately. I pulled a new credit report on XX/XX/XXXX around XXXX pm and the report still stated incorrect information. I called Transunion back on XX/XX/XXXX at XXXX speaking to another customer service representative and she said I had to file another new dispute since the documents I submitted in XX/XX/XXXX were not accepted. She could not provide any reason why Transunion could not accept these documents and said I need to file another dispute. 

I called Transunion on XX/XX/XXXX at XXXX am and XXXX and both times I was hung up on by supervisors. XXXX transferred me to XXXX on the Special Handling team and on the second call XXXX transferred me to another person on the Special Handling Team who also hung up on me. 

I really just want this issue resolved and it is a simple data entry error.

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 2022-08-19
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:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX 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 2022-11-24
Company: EQUIFAX, 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: 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: CA
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 submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX  XXXX XXXX Balance : {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BARCLAYS BANK DELAWARE
State: MI
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:
My Credit Card was transferred from XXXX XXXX XXXXXXXX XXXX to Barclays bank XXXX in XX/XX/XXXX. I received a past due notice from Barclays Bank in XX/XX/XXXX. I have not used the old XXXX XXXX  account since summer of XXXX and I never used or activated the Barclaycard. There was a charge from XXXX on the XXXX card in XX/XX/XXXX, but I did not make this charge or purchase anything from XXXX. I called Barclays beginning of XX/XX/XXXX and I was told they would start an investigation. But I did not receive any communication from them only a bill with late fees. I called again in late XXXX and they told me they reversed the charge from XXXX and I think the interest and one late fee. I called again the first of XXXX because the charges and late fees were not reversed and I was told to wait until after the billing cycle and they would be removed, but I got another bill showing additional fees but the charge was reversed and standard purchase for XXXX was added?!!. I called them again today XX/XX/XXXX and was told I owe them {$74.00} ( unknown to me why ), so I went ahead and paid the crooks but I don't think that it is right, they are crooks to took my money when I didn't owe them anything I never even activated the card they are charging me interest and late fees on and possibly using to make purchases. What a way to make money, fake charges, they make their customers pay late fees and interest on fraudulent charges. I want this resolved and I want my money back with interest. And I don't want any late notices on my credit report so I want a new three part credit report showing I did not make late payments.

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 2022-06-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Today I used my citi double cash mastercard at XXXXXXXX gas station. The terminal offered to use XXXX points to save {$0.00} per gallon. I did the math wrong in my head, and opted in. I only saved {$7.00} since I got 14 gallons of gas. But the cash redemption value is {$12.00} at XXXX XXXX  per point. This will never be a good deal XXXX XXXX  stole {$5.00} from me. I called citi to complain but they said they cant undo it.

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 2022-08-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Ally has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

Also, Ally alleged that I had one late payment out of 75 payments. However they : Reported alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. 
They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}.

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 explanation
Consumer complaint received 2022-11-24
Company: Credit Karma, LLC
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:
I received a email that someone checked my credit and itll affect my credit score. The thing is I never gave anyone PERMISSION to check my credit score. I believe its fraud being taken in place. How can I get this situation to stop? Or from happening again.Then its with the Company credit karma and I cant get in my account or in contact with them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our Home in XX/XX/2020. Covid 19 has impacted our finances as myself lost my contract to merchandise XXXX XXXX accounts, and my wife had a reduction inhours with XXXXXXXX XXXX We fell behind on our mortgage payments during the first sale of the mortgage to XXXX XXXX XXXX  and servicer XXXX. The mortgage was then purchased by XXXX XXXX with PHH Mortgage Service as the servicer. 

We were told we were eligible for a loan modification and submitted our application and documents, despite being in communication with PHH on our struggles to comply with the program. in XXXX we were told we were denied the modification because of late submission of documents. Jump to the present and we had our monthly appointment with the PHH relationship manager. We were informed that we should not had applied to XXXX  XXXX if we sought the modification to the loan ( although it is recommended by XXXX you apply waiting on modification ). Then after his ill informed rant on the XXXX  program my wife told him that I had some questions. He informed my wife that under Texas Law he needed a written authorization to allow a third party to discuss the loan with me. That is an untrue statement as under Texas Law, as a community property state I am considered on of the borrowers because we equally own the home. The XXXX  could not tell us why our Loan Modification trial payment was {$200.00} than previously, when the original loan payment was {$1000.00}, and the first trial payment was only {$2.00} lower. PHH seems to be mishandling our Loan modification and refusing to work with us to get the modification approved.

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 2019-02-16
Company: Experian Information Solutions Inc.
State: AL
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 the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. 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 2022-06-21
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. It is a fact that I extended my social security card to Navy Federal Credit Union : which is ; Pursuant to 15 USC 1602 ( l ) any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Furthermore, a finance charge was involved. Congress told me that a finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is.

1. I should not have been receiving bills through interstate commerce, 2. This credit card should not have been closed, by these people. 3. This is classified as Unauthorized use under federal law. Furthermore, 4. I should not have been denied credit twice, which constitutes discrimination. Lastly, they should not have furnished this experience that we have with each other on my consumer report without my permission per federal law. This constitutes fraud and Identity theft under federal law and I have XXXX the XXXX off, this XXXX!!!!!! and wrong!!! 

Although I have sent them a cease and desist letter, They are still contacting me and reporting on my consumer report. In addition, I requested verification of this account and they have failed to do so. This company has damaged my reputation, my health, and my mode of living. Navy Federal Credit Union is in violation of the detailed subchapters of TITLE 15 USC CHAPTER 41.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX, XXXX XXXX, 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 ; has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
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:
Everything thats in this letter please remove it doesnt belong too me please delete it

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 2023-12-18
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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