BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB 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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
" ... Over the past seven or eight months, I 've tried to remedy this issue on my own, but to no avail. I 've sent TRANS UNION, via USPS certified mail, four ( 4 ) dispute letters informing them that they are illegally listing unverified accounts on my credit report in error. 

I requested that the adverse accounts be deleted from my file. However, they did not comply. The listing of the accounts in question has severely impacted my life negatively, causing me serious personal and financial hardship. I 've suffered significant damage to my credit, I 've had my credit limits reduced and I 've even been declined for additional financing.. ''

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 2022-06-20
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:
I recently noticed that my information was exposed in a nationwide data breach. When I checked my consumer report I noticed there was fraudulent information being reported. I reached out to Experian and submitted an FTC identity affidavit, Proof of address, and identity, however, and requested the fraudulent information to be blocked. I recently checked my consumer report with Experian and noticed that an account was reinserted into my consumer report. Five business days have been overdue and I never received notification that the information was being reinserted. I doubt that Experian would willfully and knowingly reinsert fraudulent information and not inform me of the reason or status regarding the matter. I'm left to assume that this must be some form of mistake as I already reached out to the creditor to address the issue. this information should be blocked from my file. Also, I would like to be notified of any adverse information being submitted to my consumer report. I never gave the company XXXX XXXX  a permissible purpose to furnish any of my information. I did notify them that if they have been given consent to furnish my consumer report the consumer revokes or opts out of having my information shared. Experian is not in compliance with the code of federal regulation regarding this matter however I understand that mistakes can happen but also this is damaging me and defaming my character. How am I supposed to receive an extension of my credit if there's fraudulent information adversely affecting my person?

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 2022-05-03
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 XXXXXXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
At around XX/XX/2022, I received an alert for a change on my credit report. Upon researching this I identified a hard inquiry from XXXX XXXX XXXX I have not applied for anything recently, nor have I ever used XXXX XXXX XXXX  Upon calling the company it was brought to my attention that someone had used my identity to try an open up a credit card account. XXXX XXXX XXXX  directed me to complete a Identity Theft Report available on the Federal Trade Commission website which has directed me to this site to complete this form. Upon completion of this form I will send the necessary documents back to XXXX XXXX XXXX  in order to have this hard inquiry removed 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 2019-03-14
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Vehicle has multiple issues with the electrical system and am in the process of working with the attorney general to refund money paid and hold the dealer liable for the loan. Westlake financial is refusing to let me put the payments on hold pending the outcome of the lawsuit. 
The vehicle is currently sitting in my driveway for over two months dead unable to be driven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX-I attempted to place a credit freeze on my XXXX  account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

Experian- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?

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 2020-01-16
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:
XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX Business expert to review my case Follow Up my complaint to CFPB called and said " Temporary Credits are Permanet and Apply to Accounts " I apologize we disagree 1 ) Why are they called Temporary Credits IF THEY ARE PERMANET? 
2 ) On XX/XX/XXXX Statement Please explain what ( Total Credits ) Represent What Credits are Included in the amount of Total Credits? TRUTH in lending USAA STATEMENT of XX/XX/XXXX says CLEARLY ( TOTAL ) CREDITS APPLIED FOR THIS PERIOD {$910.00} 3 ) Please explain what ( Other ) Credits Represent ( {$2600.00} ) What credits are included in these? 
Am I to Add the ( total ) credit amount that is separated {$910.00} to the ( other credits ) {$2600.00} together FOR a *Real TOTAL of Credits.?? 

And please explain all the New Purchases I did NOT PURCHASE that say.Security of and An Amount Charged. to my Account No Explaination What these are NEW PURCHASES that I DID NOT PURCHASE FOR? There are {$1700.00} I HAVE NO IDEA WHAT THEY ARE FOR ** I KNOW I DID NOT CHARGE THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I started the refi process with Bank of America in XXXX and still have yet to close a loan. After months of them dragging their feet to get things closed, they still have not completed this for me. It sometimes takes over a week for me to hear back from the loan officer. Since this has gone on for so long, my rate lock has expired and my patience has worn out. Since I have already paid them a appraisal fee, I 'm stuck with them unless I want to lose out on {$600.00}. This is refi is through Bank of America. It is actually a loan that they sold in XXXX and I am just trying to give them back the business. I had the loan with them since 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are accounts in my credit file that do not belong to me and Trans Union is ignoring my requests to investigate and remove them from my credit file.

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 2022-06-20
Company: EQUIFAX, 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:
New and updated information. Equifax has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. Equifax continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They are also violating many more of my consumer rights. Please see the attached documents as it contains my full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday, XX/XX/XXXX, I made a {$250.00} deposit using my Chime debit card to XXXX XXXX XXXX located in XXXX, FL for XXXX on Tuesday, XX/XX/XXXX, with XXXX XXXX XXXX. This deposit was to secure my XXXX date. See email titled Congratulations. 

The total for my procedure was {$8500.00} minus the {$250.00} deposit, leaving me with a balance to pay of {$8200.00}. I also was required to pay {$25.00} for a drug test on my pre-op appointment which would be the day before XXXX. See email titled Congratulations. 

On Monday, XX/XX/XXXX, I paid off the outstanding balance of {$8200.00} using my Chime debit card. See receipt attached with my name as the title. 

On Monday, XX/XX/XXXX, I paid the required {$25.00} drug test. My XXXX was rescheduled from Tuesday, XX/XX/XXXX to Wednesday, XX/XX/XXXX due to a scheduling error with the clinic. See email titled Congratulations that details the drug test cost. 

I arrived for XXXX on Wednesday, XX/XX/XXXX, in which it was then cancelled by the doctor due to a clinic mistake with my medical history. The clinic admitted that it was their mistake and no other doctor at their clinic could perform the XXXX. XXXX XXXX, the XXXX XXXX, facilitied the contact with the Refund Department. See email titled Refund. 

They agreed to a refund in full of the total paid ( {$8500.00} ) with the cancellation contract being void as this was outside of standard procedure. Unfortunately, I received a lot of issues getting a response about my refund from the merchant 's refund department. See all other attached notes. 

I filed a dispute with Chime for all 3 charges on Thursday, XX/XX/XXXX after no contact from the refund department by the time I was told I was to be contacted. Chime gave me a provisional credit only for {$8200.00}. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$250.00} stating that the merchant sent over the voided cancellation contract starting that the deposit was non-refundable. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$8200.00} stating the voided cancellation contract. 

No response has been received on the {$25.00}. 

I followed up multiple times with Chime and requested the documentation that they used to make a decision. I forwarded the emails from the merchant, showing that they had voided the contract and I should be paid in full. I never received services from the merchant and I did not cancel. 

Chime then proceeded to say that I have not provided sufficient evidence, but will not state what else is needed when I have responses from the merchant confirming I am due a refund with their contracts void. Chime states the matter is closed after many emails. Representatives will not talk to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. XXXX of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX XXXX Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Transunion but they fail to delete these cards stating that XXXX on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my XXXX or XXXX time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Adler Wallach & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been going back and fourth with this company about this alleged medical debt for years. I never once received anything in the mail, I wasnt even notified of this until I checked my credit report. I have disputed it many times and still not received validation of the debt. On XXXX XXXX2017, I mailed a debt validation letter via certified mail with return receipt and its been 35 days, still no response. At this point, it seems like I may need to take legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing XXXX accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. Account # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
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 Account # XXXX has violated my rights XXXX XXXXXXXX Accounts # XXXX and # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXXXXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a method of verification on 5 different occasions XX/XX/19,  XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 to resolve the inaccurate bankruptcy being reported on my credit report. I have contacted the bankruptcy court, XXXX XXXX and all parties have validated that the information is incorrect and not valid. I have submitted copies of these document several times and Experian continues to say they are validating the information from the exact source that provided me a letter that stated it is inaccurate. I was a victim of identity theft and I have provided that information as well. No method of verification has been provided to me on how the information Is validated even after several requests. Yet the information continues to be 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