BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
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 without 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.

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 2021-08-03
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: Account status incorrect

Complaint:
I shouldn't have any negative reporting from XXXX XXXX debt is paid in full.

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 2022-08-24
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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 without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: LA
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, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I went into a dealership to purchase a vehicle at the time my XXXX credit score was near XXXX, XXXX was XXXX, and my Equifax was XXXX. My Equifax score was based on accounts that were paid off but still reporting a balance. I applied for XXXX car loans in XXXX, which all got denied, or they tried to stick me with a high-interest rate because the car loan banks would only go based on the Equifax reporting XXXX I was able to get an okay car with a horrible interest rate due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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 XXXX  Account # XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked XXXX, XXXX and experian to remove any addresses associated with XXXX XXXX. These companies did not comply with my request.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2022-08-02
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, Fulton Bank automatically deducted a payment of {$360.00} from my checking account only for the interest due on my new credit line with them. The details shown on the monthly statement I received shows that they charged interest at a rate of 100 % for three days beginning XX/XX/XXXX. This error doubled the amount due on my loan from what shouldve been approximately {$130.00} based on the original 6.5 % interest rate. 

Their system has continued with this error because the information for my loan shown online still maintains an amount due of {$360.00} for XXXX - payment due on XX/XX/XXXX. 

I called and reported this error on XX/XX/XXXX and was told that a certain department at Fulton Bank would research the error and that the representative I was speaking with would contact me. It is now XXXX and I still have not heard back from Fulton Bank and their deduction of the erroneous amount of {$360.00} was indeed posted to my account on XX/XX/XXXX. 

I called their support line today and spoke with a different representative. He confirmed that this was a major problem that had affected so many of their customers that they hadnt been able to get to my complaint ticket yet. 

I wish to report this to your agency because something as major as this shouldve been fixed by now. At the very least, Fulton Bank shouldve stopped all loan auto-deductions for any loans that this affected. The executives at Fulton Bank must be held accountable for this major mistake, especially when it costs their customers so much money and hasnt had a negative effect on Fultons financials at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The owner of the account was my son. XXXX XXXX XXXX. He died XX/XX/2022. 
I am his father. My name is XXXX XXXX XXXX. I am in charge of his small estate. I have sent the required documents to the PNC bank to close the account and forward any remaining funds to me. I sent an original Certificate of death, The Colorado affidavit noterized naming me, and a cover letter to them in XXXX of this year. They are not doing anything but running me around. 
I mailed the items, per their order to PNC Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Mail stop XXXX. 
I have called them weekly and now daily since XXXX. 
They are not doing anything, and I need this to get over. 
My number is XXXX. The bank will not let me talk to the department. I have to go through customer support and they are trying but nothing is happening. 
XXXX 's account number is XXXX XXXX XXXX. 
I am at wits end and need help. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: TN
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:
Yes I have had a data breach with XXXX they have my stuff on my dark web and sold my information also on experian I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!

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 2021-03-23
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When COVID lockdowns started last year I needed to return cable television equipment my mail because the stores were closed. I sent three pieces of equipment back. The company gave me credit for two pieces and is attempting to collect for the third piece. We know they received the box because they credited me for two of the three pieces of equipment. 

They sent me to collections, I submitted a complaint, and they removed me from collections. Now they have sent me to collections again. Ive spent hours on the phone with them and no one in their organization seems to be able to resolve the problem. They are usually rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Insurance fraud due to either incompetent or malicious business practices on claim number XXXX. 

Chase offers luggage delay insurance through this company. The process is simple and clear : submit specific documents listed on their website supporting conditions of the claim. I have submitted these documents initially, yet the company keeps asking for more documentation in a circular fashion : I provide documents XXXX XXXX XXXX XXXX XXXX XXXX as required and submit. 
They respond asking for XXXX I respond with XXXX 
They responding asking for XXXX and XXXX I respond with XXXX and XXXX 
They respond asking for XXXX and XXXX I respond with XXXX  and XXXX 
And round and round I go up to 6 times now. I always respond within 24 hours, yet they take a week+. This is clearly an attempt to run me around into giving up and/or is completely incompetent. Either way, I am owed my XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
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: Information belongs to someone else

Complaint:
I would like to inform that I become a victim of Identity theft. I can not explained how that happened but recently bureaus filed accounts that are not mine. Moreover I am not connected to these companies of accounts. I have never done anything with the. Accounts are wrong, amounts are wrong, everything is wrong and not mine. So please delete them ASAP

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 2022-08-02
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: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXXXXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from XXXXTransunion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX  BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Hi, I hope you are well. 
So what happened was that I was just trying to sign up for TransUnion and it needed a debit/credit card for " verification ''. Then I was immediately charged {$26.00} on the day of this email. I looked around the internet and saw they people were also charged an amount without them knowing the price they had to pay. What if the fees were {$100.00}? What if it was higher and none of the people who put in credit card info did not know they were going to be charged. This is not right, no price is specified by TransUnion and they are just going to charge us? For example, it could be like XXXX XXXX telling me to put in my card info and then automatically sign me up for 1 year of apple music worth {$50.00} per month without me knowing. TransUnion needs to specify what price or what the service amount is before charging us. I already emailed them and contacted my bank. This is not fair to consumers.

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 2022-09-29
Company: ALLIANT CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced and paid off a mortgage with Alliant Credit Union in XX/XX/2021. However, they have still not reported the mortgage paid off on our credit reports. The loan is still reported as open. We have reached out multiple times, via phone and email but no one on their end helps with correctly reporting the loan as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information

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