BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXransUnion Consumer Solutions XXXX XXXX, XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SECXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Atlanta Check Cashers, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
" I received a paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) on XX/XX/2022 in the amount of {$1000.00}, which I took to Atlanta Check Cashers ( " ACC '' ) and cashed without issue on XX/XX/2022. I later received a threatening notice from Atlanta Check Cashers that the check from my employer had been dishonored due to insufficient funds, and that I would be subject to " criminal prosecution '' unless I paid ACC back, plus {$53.00} in fees. I told XXXX  about the notice, who advised that they would correct the issue with ACC. 

One month later, assuming the issue was resolved, I returned to ACC to cash an unrelated check for my tax refund. Instead of notifying me that the issue with the previous check had not been corrected, ACC withheld the full amount of the previous check plus fees ( {$1100.00} ) from my tax refund check without giving me any notice or an opportunity to take my tax refund check elsewhere. 

Since that time, I have requested in person and in writing that ACC return the amount that it wrongfully withheld and instead pursue the party who actually wrote the check. My attorney has written a letter and spoken with ACC 's representatives, who have refused to return the wrongfully withheld amount. '' XXXX XXXX XXXX XXXX XXXX XXXX with permission, on behalf of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency.

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 2022-03-20
Company: Simon's Agency, Inc.
State: NJ
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 recently checked my XXXX credit report and found a total of XXXX collection accounts that date back to XXXX and XXXX. The Agency is Simon 's Agency, XXXX XXXX XXXX. XXXX, NY XXXX. The phone number is XXXX. The XXXX accounts were all from the same Company, XXXX XXXX. Since I was in the hospital  for XXXX XXXX during that time period, I am assuming it was related to that. I did have Insurance and I believe I had payed everything that was due. One of those charges was for {$420.00} which I can't understand that I owe as I had Insurance that should have covered the expenses if they are even related to me. I called Simon 's and they were not helpful to say the least. They E-mailed me a bill that did not help one bit, as it did not mention what the charges were for, who did them and what was done, were they denied by the Insurance company and if so, why? I filed a complaint with XXXX and I was told to contact Simon 's agency for copies of my bill. I did that, got nowhere with them. They told me they will mail me the information, but I recieved the same balance sheet they had faxed. It in no way explained any part of my bill so I can't even check into it. I called XXXX XXXX and the phone was disconnected. I called the Hospital and they Informed me that they no longer do business with XXXX XXXX and that they are out of business. The hospital also said I do not owe them anything from back then. I need Simon 's agency to send me copies of the XXXX bills with the proper medical coding so I can submit them to my Insurance Company or challenge them if they are not my biils. If they can't do that than the XXXX accounts in collections should be removed from my credit repoirts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.

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 2022-03-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had got a XXXX check from XXXX XXXX that was my settlement, and that is XXXX  XXXX bank , and only to cash the check my XXXX said. I did not want account with the bank. and was standing at the Teller window. and was told to go and sit down me, and my XXXX XXXX : XXXX at as my witness, Her phone is : XXXX and she will also vertify it too. That other XXXX XXXX : XXXX XXXX was talking so fast. and trying to get my open account. and that's not want I wanting. and then XXXX thing they said something and about fraud. My account was closed, and they sould have giving me back the check and they did not. and instead they was telling lies, and covering for each other, I felt they did nothing to help get my money back at once, just like I give it too them. Instaed they gave me the Run-Around for a month. When I should been done had my money. I don't want no bank account, Just my money to pay my bills and my Rent of {$1600.00}. ASAP. This week. and I have consulted a new Lawyer this case. I have been a Identity theft Person for years. Stolen Mail at different Addresses, Stolen everything, Homeless for 34 years, and disable for years. Everything been taken from me and they Truist did that told a man that was XXXX XXXX XXXX, and he had Government Checks and they him they were no good. and Discrimination too. I am a child of XXXX. Amen.

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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the XXXX  data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to 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 2020-12-30
Company: Experian Information Solutions 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:
See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. Experian and XXXX  need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect XXXX  and Experian to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.

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 2016-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Against : XXXX illegal credit reporting The collection agency has violated the Fair Debt Collection Practices Act. Has never communicated with me, I am requesting proof that they communicated with me if they are claiming so ( mail tracking, etc ). A collection agency can create a letter, at anytime, back date it, and falsely claim that they have sent it to the consumer. This has become common practice for collection agencies which they conveniently " do not have any proof that the consumer was notified ''. As a consumer I never had the chance to ask for proof of Debt or communication with this company. As a part of this claim, I am willing to provide concrete proof, legal documents which show that I lived and worked in a US Territory.

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 2020-12-30
Company: JPMORGAN CHASE & CO.
State: WA
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:
In short, I was scammed by XXXX. I used my Chase Sapphire Reserved credit card to pay for this since it should have consumer productions against fraud. 

The seller sent an incorrect product that is worth {$5.00} to scam {$130.00}. I tried to do a chargeback with Chase because fraud was committed and Chase did NOT look at all the facts and sided with XXXX. The proof is in the XXXX tracking information provided below. I bought a bathtub which is very big and heavy ( XXXX ) as indicated on XXXX  product page and received something totally different. The XXXX tracking information shows that the package I received is XXXX. I'm not sure why Chase sided with XXXX when the tracking information itself shows that I received the WRONG item and XXXX is not willing to work with me for a refund. 


XX/XX/2020 - I purchased a bathtub from XXXX for {$130.00}. The weight of the bathtub in the description of the product page is XXXX kg. XXXX XXXX XXXX? XXXX XX/XX/2020 - I received a package from XXXX but it was not a bathtub. It was a flash light instead. The tracking information from XXXX shows that the weight of the package is XXXX. This is enough proof that the seller sent the wrong item. XXXX XXXX XXXX XXXX XX/XX/2020 - I opened up a dispute with XXXX  requesting for a full refund due to not getting the correct product. 

XX/XX/2020 - XXXX denied the dispute saying that I received that correct item. 

XX/XX/2020 - Requested chargeback with Chase since the seller committed fraud. 

XX/XX/2020 - Chase denied chargeback due to seller providing tracking information that I have received the product. 

XX/XX/2020 - Contacted seller for address to return the product since I did not want a flashlight and am willing to take a partial refund due to frustration in this whole process. Seller is unwilling to provide address for a return for an item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MS
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:
The Credit companies are not complying with their own policies in a timely manner. A complaint was mailed on XX/XX/2022 and it's been over 30 days with no resolution.

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 2016-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
To Whom It May Concern : There are XXXX major complaints within this report : XXXX XXXX through the reporting agencies & XXXX scores being distributed. 
Recently ( starting XXXX 2016 ) I began working with XXXX XXXX XXXX to repair my damaged credit. Please note this complaint is not geared toward XXXX XXXX but that of XXXX Equifax, and XXXX. 
Within the first 4 months a combined total of 65 % of negative items have been removed. XXXX XXXX sends out letters on my behalf, which I am provided a copy of, to dispute negative items then my provided portal is updated. Along the way I can see which negative items still remain and which agencies are not deleting items, though other agencies have. Equifax being the most cooperative by removing XXXX of the XXXX negative items, followed by XXXX deleting XXXX of those XXXX items and XXXX being the most challenging only XXXX of the XXXX items. XXXX XXXX XXXX is still being retained and in the last 4 months no items from XXXX or XXXX have not been removed and is effecting the my chance of getting a 1st mortgage with a fair package for first time homeowners, even possibly a better interest rate on my auto loan, that I will be applying for this week. 
The 2nd part of my complaint is the reporting. Though XXXX is being difficult when I went to XXXX directly to purchase my score, my score according to their scholastic reporting at XXXX is a XXXX XXXX is considered a XXXX, regardless. However the even greater issue here is why my score is not equal to all who see it? XXXX directly states XXXX, XXXX XXXX 'XXXX is XXXX, XXXX XXXX shows XXXX? 
My ranting as I close : How is this helping any consumers when numbers are just being tossed about with no consideration of what this does to someone wanting the basics of either applying for credit or knowing where they stand with their credit? Such as decent interest rates for a mortgage, an auto or anything else that may require credit. Let alone you can not have your, say, XXXX report or any report pulled when applying for credit to not affect it by having a hard hit on your credit, which can also have an effective by this hit lowering the score for a long period of time? So if you are border line and you take the hit then you went below the required level and now you 're at a higher interest rate. I realize the reporting game is like medical doctors with medication and kickbacks as with higher rates kickbacks for the agencies. Keep the consumer confused and they agencies get to run amuck. 
If you would like to see the XXXX report which states the XXXX I purchased from them verses the XXXX XXXX or XXXX XXXX or the negative items that the XXXX mentioned agencies are fighting please let me know. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Elevate Recoveries, LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This letter is to dispute a debt byELEVATE RECOVERIES LLC which is now on my XXXX Credit Report. On XX/XX/ I was notified by a credit tracking program that a new debt was added to my credit report. The debt is the same listed from XXXX XXXX XXXX ( see attachment ) date from XX/XX/XXXXby Original Creditor : XX/XX/XXXXXXXX XXXX XXXX. Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

As of today, I have never received any communicationfrom Elevate Recoveries LLC regardingthis matter. In addition, this is the same complaint and old debt that was closed in XX/XX/. The last new creditor listed was XXXX XXXX XXXXXX/XX/XXXX.I completed this complaint with CFPB on XX/XX/XXXXwas notifiedit was referred to the Federal Trade Commission. I am not sure why the debt that has been closed is being sold over and over again to multipledebt collectors. This does not seem lawful especiallywithout any communicationto the consumer that this takes place or giving me a chance to request information regarding this debt which was not provided to myself or my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions 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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

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 2022-03-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been trying to dispute 2 fraudulent accounts on my credit report for over a year now with Equifax and they still refuse to validate or delete these accounts. I did not open these accounts and they do not belong to me, therefore i am not liable for this debt. 
The account names are XXXX and XXXX.

Company response to consumer: Closed with explanation