BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$11000.00}. 

This complaint is my follow-up to ensure that the listed accounts are investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$72000.00} ; XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX MI 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 2023-04-12
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:
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 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) THESE ARE THE INCORRECT ACCOUNTS US DEPARTMENT OF EDU XXXX XXXX Original creditor : 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 2023-04-17
Company: JPMORGAN CHASE & CO.
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:
As you may be aware, Chase Sapphire Rewards offers rewards points for travel purchases made with a Chase Sapphire card. However, I have encountered a significant problem with accessing these rewards points today, XX/XX/2023. It appears that my name, XXXX XXXX, is similar to a name on an XXXX list of individuals who are under US sanction and not allowed to purchase airplane tickets or hotel reservations. Despite my repeated attempts to explain that I am a US born citizen and not the same person as the one on the XXXX list, I have been denied access to the Chase Rewards Portal due to this computer error. 

I have contacted both Chase Rewards and Chase Sapphire customer service multiple times to try and resolve this issue, but have not received any satisfactory responses. I was even instructed to petition XXXX directly to have my name removed from this list, which is not a viable solution as my name is only similar and not identical to the one on the list. 

As a paying customer and voting member of your constituency, I am reaching out to you for assistance in addressing this issue with Chase Rewards. It is my belief that by denying me access to the portal, Chase Rewards is knowingly limiting my ability to access rewards programs that they advertised as one of the primary benefits of being a Chase Sapphire cardholder.

I am asking for your assistance in urging Chase Rewards, JP Morgan Chase, or any other affiliated entity to allow me to access their online portal to purchase flights and hotels and receive the rewards points that I was duly promised from them as a paying customer. I believe that it is important for credit card companies to be held accountable for their actions and to ensure that their customers are treated fairly and equitably. 

Thank you for your time and consideration, and I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: MN
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'm trying to apply for a loan from my credit union however when they try to pull my equifax report it is reporting a freeze or error on my report. However I've called numerous times and was told each time that there was no freeze or extended fraud alert. I was told to fax my ID and social security card to resolve the issue.This has been going on over a month and I keep getting the run around.This is what is reporting on Equifax credit file status : Report Blocked For Promotional Purposes Date XX/XX/2023 No one at Equifax can give me a explanation of what this means no lender can pull my credit with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I till have been chagred for {$430.00} since XXXX XXXX 

In XXXX  I already paid on XXXXXXXX  and XXXX. 

Total two payments were {$860.00}. 

Until today a company wanted this amount ( XXXX ) again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is reporting incorrect information on all XXXX reports. The date open is all different as well as the credit type, and date closed. This information is very misleading and incorrect. I have attempted multiple times and for multiple years to have the information corrected or deleted. Neither has happened and it is currently showing different on all reports. I am asking this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: OR
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:
There is inaccurate personal information on my consumer 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Karma is reporting inaccurate information relating to amount of credit card " tradelines '' & hard inquiries from XXXX XXXX XXXX - There are 16 reported hard inquiries from XXXX & 22 hard inquiries from XXXX- They are also reporting inaccurately {$390.00} as an outstanding balance with XXXX XXXX which was for a cellphone that is in dispute with the credit card company as it is easily purchaseable for less than {$100.00} on XXXX by purchasing wholesale My rights are being trampled all over by this company & it's excuses as " it's not their problem ''

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 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Received credit report. The amount owned and what I paid on the credit report is inaccurate. 

The amount is lower and what I should have paid what XXXX has submitted to the credit bureau. What XXXX asked during foreclosure and pay off was over XXXX more than what I should have paid. 

XXXX XXXX states one thing on the Credit Report but request a larger amount during payoff. 

XXXX XXXX manipulating facts as usual. 

XXXX XXXX never contacted me regarding settlement of the XXXX XXXX dollars for customers past and present. 

The worst is the confusion of the whole mess starting in XXXX or XXXX when XXXX XXXX bought XXXX out and when my account split. No major explanation was given until it was to late. Customer Service was ill informed from CEO 's and Board which they informed the customers. 

Experian : XXXX the account # XXXX is a medical bill from XXXX. {$1200.00} goes back to XXXX. Why is it still on my credit report. Changing dates and manipulating the dates. This needs to be removed 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 2023-03-06
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime received {$850.00} back from a merchant on my behalf. According to the merchant they sent the funds to chime and chime accepted them however chime refuses to give me the money they keep saying no error was made and I will not receive a credit for disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Bread Financial Holdings, Inc.
State: MO
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:
victoria secrects late XXXX of XXXX {$35.00} XXXX XXXX XXXX XXXX XXXX late XX/XX/2022 {$41.00} 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 FURNISHED AN ACCOUNT WITHOUT MY CONSENT.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 Transunion, XXXX, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Transunion, and XXXX permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen. 

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 XXXX, Equifax, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Equifax permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen.

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief