BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
Good morning, On XX/XX/XXXX there were charges on my mobile USAA XXXX XXXX XXXX. I Called USAA 's customer service and told them these are not my charges and I have my credit card in my hand. on XXXX I was called by a USAA rep and was told the charges will stay on my account and interest charges as well and the charges were not found fraudulent as my credit card was in my possession. I did not make these charges I told them but she stated the investigation was complete and wished me a well. 
XXXX  {$230.00} XXXX {$100.00} XXXX XXXX {$4.00} XXXX XXXX  {$270.00} XXXX XXXX {$42.00} Any help will be greatly appreciated. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 2023-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute inaccurate information on my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. To date, I have not received any response from them. I am providing the details of the inaccuracies and the necessary corrections below : Account Information : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7000.00} Issue : The reported late payment on this account is inaccurate. There was never a late payment on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have submitted a formal dispute letter addressing inaccurate and unproven derogatory information on my credit report and kindly request a thorough review and correction in accordance with applicable regulations.

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: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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 2022-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/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  - US SM BUS ADMIN XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # XXXX - XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 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 2022-08-19
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid using my payment coupon and the company did not honor it. I would like my card and account to reflect I have paid on time always. CB/Indigo . I paid 3 bills using this method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
The below listed below accounts are on my credit report but do not belong to me. 


XXXX XXXX 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX 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 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 2022-04-23
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
XXXX continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. XXXX needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? Mental, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on XXXX XXXX. Not where our population needs to evolve too. STOP pushing people into XXXX XXXX. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Canceled My Auto Pay without notifying me, which led to a 30-day late payment report on my credit report. 

During the XXXX  Billing Period, XX/XX/XXXX to XX/XX/XXXX, My Auto Pay setting was canceled, leading to a 30 late date to my credit report. 
Account Summary ( ending XXXX ) Previous Balance {$65.00} Payments and Other Credits {$0.00} Purchases and Adjustments {$0.00} Fees Charged {$0.00} Interest Charged {$0.00} New Balance Total {$65.00} I set up my Auto Pay to pay from my Chase Checking Account ending ( XXXX ). I closed my not-in-use XXXX XXXX XXXXXXXX Checking Account in XXXX due to no usage. 

It seems that triggered a cancellation of Auto Pay from the XXXX Checking, and XXXX XXXX XXXX did not notify me that this was happening. 

On XX/XX/XXXX, I received a notification from XXXX XXXX/ and my other Credit Monitoring Service that my score dropped from XXXX to below XXXX due to a late payment ; I logged in and paid the balance immediately and called on the Same day to resolve. 

I called once again on XXXX XXXX, but nothing was resolved. 
I called once again on XXXX XX/XX/XXXX, getting a complaint number XXXX. Nothing resolved. 
I called in once again on XXXX XX/XX/XXXX, got a different complaint number XXXX. 
They told me it is just a complaint number without a dispute to the credit report. 
And some agent on the phone told me nothing is showing late on my account. 

I got transferred and bounced around different departments and they transferred me to XXXX without even communicating with me. ( I think the late payment report should be corrected by the bank first to all three credit bureau since the late payment was caused by cancelled auto-pay )

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: 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: Account status incorrect

Complaint:
This is not correct! These accounts have never been late. I've never been late with my debt payments. I'm aware of my responsibilities! You are causing me stress by reporting 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 non-monetary relief
Consumer complaint received 2022-06-21
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I filed a complaint regarding my mortgage company reporting inaccurate information to my credit report. ( Complaint # : XXXX ). On XX/XX/XXXX, I received a response to the complaint and the mortgage company agreed to fix the inaccurate reporting to my credit. On XX/XX/XXXX, I received notification that the late reporting was fixed to no data for XXXX and XXXX as agreed upon in XXXX 's response to my CFPB complaint. 
On XX/XX/XXXX, I received notification that XXXX made new remarks on my credit report. When I checked my credit, my credit score was dropped AGAIN due to XXXX re-reporting late payments for XXXX and XXXX after they agreed and DID fix it on XX/XX/XXXX. On XX/XX/XXXX XXXX immediate reached out to XXXX  via email providing them with my credit report and a copy of their response to my CFPB complaint. I asked that the issue be fixed AGAIN and in an immediate fashion as that was the agreed upon response to my initial complaint. 
As of today, XX/XX/XXXX, I have not received a response to my email nor has my credit report been fixed as they stated that would do initially on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: AL
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:
To whom it may concern, I am writing to delete the following information in my file : SANTANDER XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation