BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Self Financial Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Complain against XXXX XXXX XXXX XXXX, at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) or at ( XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX XXXX ). 
Phone number : XXXX I opened My Credit Builder Account on XX/XX/XXXX, a few months later they told me that I was qualify to open XXXX XXXX XXXX XXXX XXXX Account then I opened XXXX XXXX XXXX XXXX XXXX  Account on XX/XX/XXXX since then they never ask me for any bank statement until after I decided to close XXXX XXXX XXXX XXXX XXXX Account on Tue, XX/XX/XXXX at XXXX PM in order to receive my fund in my personal bank account linked to XXXX XXXX XXXX XXXX XXXX  Account. I did send my bank statement multiple time and they still holding my fund since today XX/XX/XXXX, I have no idea for how long they want to play me, I have proof that I sent them the bank statement. 

I am complaining because I been sending my bank statement over and over to them and they acting like they never received it.

1 ) No First Call Resolution, 2 ) Lack of Follow Up, 3 ) Ignoring or dismissing the complaint, 4 ) Acting as if it isn't worthy of addressing. 

Also I been calling every other day since XX/XX/XXXX, - Their customer service representatives are always Uninterested to resolve the issue. 

- When I ask to talk to the customer service representative supervisor they let me on Long Wait on Hold .... and never get back to me until the phone call stop by itself. 

- Their customer service representatives Making me repeat the problem over and over, I explain them the same thing over and over. 

I am dissatisfied To resolve this problem I would like XXXX XXXX XXXX XXXX, to release my Pay Out in my personal bank linked to XXXX XXXX XXXX XXXX XXXX  Account. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney XXXX office. 

P.S. Be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of my communications with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent Transunion multiple letters starting on XX/XX/2022. I was requesting the method they used to verify the bankruptcy they have listed on my credit report. They have refused to provide me with any documents of information they used to verify this alleged bankruptcy. I sent another letter in XX/XX/2022, disputing the item with proof from the United States Bankruptcy Court stating that they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. I sent my last letter on XX/XX/2022, informing Transunion that if they can not provide such documents, this bankruptcy needs to be removed from my credit file as it is defaming my character. They responded again saying XXXX as XXXX '' without proof. It seems Transnsunion is not able to provide proof of this alleged bankruptcy. In this case, if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. 

This item needs to be deleted from my credit report if it can not be verified within 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
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.

has violated my rights. Or list of inquiries 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 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX To Whom It May Concern : I wish to dispute the late payment status on my XXXX  Accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604A section 2 states consumer reporting agency cant furnish an account without my written instructions.

The United States Code Law 15 U.S. Code 1666b. Timing of Payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Delete late payment status immediately or Please validate all late payment status within 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 non-monetary relief
Consumer complaint received 2023-08-03
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

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 2023-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards.

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 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted Transunion, XXXX and XXXX but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information. 

The following addresses are inaccurate- XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MI XXXX The following accounts are fraudulent- XXXX XXXX Acct # XXXX Date Opened - XX/XX/XXXX Balance - {$2700.00} XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX Balance - {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Account # XXXX Date Opened- XX/XX/XXXX Balance - {$930.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX The following inquires were not authorized- -An inquiry from XXXX on XX/XX/XXXX -An inquiry from AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX -An inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX -An inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/XXXX -An inquiry from XXXX XXXX on XX/XX/XXXX, mailing address, XXXX XXXX XXXX XXXX, XXXX XXXX ND XXXX. 
-An inquiry from XXXX XXXXXXXXXXXX XXXX dated XX/XX/XXXX XXXX mailing address XXXX XXXX XXXX, XXXX, FL 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 2023-03-08
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2023-08-03
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:
I hope this message finds you well. I am writing to formally dispute an account on my credit report that I believe to be a result of identity theft. The account in question is a XXXX XXXX account with a balance of {$2400.00}. 

I assure you that I have no knowledge of or association with this account. After thorough examination of my personal records and financial statements, I can confidently state that I have never entered into any agreement or incurred any charges with XXXX XXXX for the aforementioned amount. 

To address this issue promptly, I have already taken proactive steps by submitting an identity theft complaint through the official channel at identytheft.gov. This complaint includes all relevant details and supporting documentation related to the disputed account. 

Considering the severity of identity theft and the potential implications on my financial well-being, I kindly request your urgent attention and assistance in investigating and rectifying this matter. I would appreciate your immediate action to remove this account from my credit report until the identity theft investigation is concluded. 

Furthermore, I would like to request a written confirmation of the receipt of this dispute letter and regular updates on the status of the investigation. Please ensure that all communication pertaining to this matter is sent to my current mailing address on file. 

I have always maintained a strong credit history and have promptly resolved any legitimate financial obligations in the past. It is disheartening to find myself in a situation like this, and I trust that you will work diligently to rectify this matter and restore the accuracy of my credit report. 

Thank you for your attention to this dispute. I look forward to a swift resolution and appreciate your cooperation throughout this process. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided below.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: AES/PHEAA
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 have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are XXXXXXXX XXXX  anXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 2022-12-14
Company: Experian Information Solutions 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. 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 n 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 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 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2023-06-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX I submitted a dispute to equifax confirmation # XXXX to remove my consumer statement of XX/XX/XXXX the statement is misleading the creditors are not on my credit and to update XXXX XXXX account information, last update XX/XX/XXXX. sent statements to show payments on account each payment was paid and not reported on equifax.equifax removed score points from my credit score.Iam reporting XXXX XXXX for not clearing up this matter this was agreed on my account when open.both never replied back I give c.f.p.b. my permission to pull my equifax credit report.all document in this conplaint copies sent to c.f.p.b. by certified mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The problem is with JP Morgan Chase 's credit card product, Chase Sapphire Reserve, and their Card Benefits Service. 

I filed a Trip Cancellation claim ( accompanied by all required documentation supporting the covered event ) via their website XXXX XXXX XXXX on XX/XX/XXXX for an incident which occurred on XX/XX/XXXX. 

Since that time, I have followed up via telephone on XX/XX/XXXX and XX/XX/XXXX, as well as regularly checked the status of this claim online multiple times and received the same response : my case is pending. 

I submitted emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only email submission that Card Benefits Service responded to was my XX/XX/XXXX email where I advised them that I would be contacting the CFPB if my claim was not adjudicated ; their response was to assert that I needed to provide documentation that I had already provided. 

It has been over 5 MONTHS since I filed my claim. As of today, XX/XX/XXXX, their web portal continues to show my claim as PENDING ( screenshot attached ). 

Card Benefits Service operates in bad faith, giving the consumer the run around when they even bother to respond, in a clear effort to not pay the claim. The CFPB should have this company on their radar as they operate in a borderline fraudulent manner. Plenty of complaints on the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. attest to the fact that my experience is not an isolated one but rather, the way Card Benefits Service does business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
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:
I have repeatly mailed the Reporting agency regarding this inaccurate information. In fact, I have mailed them approximately 12 times through certified mail asking for a REINVESTIGATION. I have requested for proof of the investigation they conducted and the response I received is that the furnisher has verified, and the information is accurate. I've asked for documents containing my signature and any other information that they used to agree with the furnisher that the information they received belongs to me. I have consistently written the Reporting Agency and informed them that the account they are reporting is inaccurate and does not belong to me. I've been told by the Reporting Agency that they have conducted an investigation and that they are not REQUIRED to conduct another investigation. 

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

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instruction.

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