BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX 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 2022-08-19
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 have the Experian app to be able to check my credit scores, lock access to credit inquiries, and get alerts for anything potentially harmful to my credit/identity. On XX/XX/XXXX, I received an alert that there was an attempted installment loan inquiry form XXXX  that was blocked. On XX/XX/XXXX, I got an alert that my credit report was retrieved through XXXX  and on XX/XX/XXXX I got an alert that a new XXXX  account was reported on my Experian account. I submitted a dispute on XX/XX/XXXX and Experian identified that this information was correct and no action was taken. I disputed the results again stating that this was not my account and I have not requested to open an account with XXXX. Experian gave me the same results and no action was taken.

I have also submitted a dispute with XXXX  but have not received those results yet. 

On XX/XX/XXXX I called XXXX  card services to report fraud and they told me they would shut the card down. 

I am disappointed in Experians response since they should have seen in their records that the inquiry was blocked and its clear that if I did indeed want to open an account, I would have unlocked my credit file which I have done before. I am also upset that either a consumer or a XXXX  employee was able to open an account under my MAIDEN name. My debit card has my maiden name on it and I used it to purchase a dress at a XXXX  in New Jersey while I was there on vacation the last week of 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 2022-11-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I went to pump gas at XXXX XXXX in XXXX Illinois, I was advised my debit card transaction was being declined by the gas pump. I went to another gas station and same issue persisted. I drove to the Chase branch on XXXX XXXX in XXXX Illinois XXXX spoke to an XXXX XXXX XXXX at the branch who told me the debit card was unblocked and good to use now. On XX/XX/2022 I went to XXXX to buy breakfast and was declined for reason of debit card being expired. I went to the XXXX XXXX XXXX branch to inquire why this was happening a second day in a row if on XX/XX/2022 I was told it was resolved. I am now being told the card was cancelled on XX/XX/2022 and a new one was ordered to be delivered to my address. I never requested my current debit card to be cancelled and a new one mailed. The employee at the XXXX branch took it upon herself to do that without my approval or knowledge. Now I have to go this XXXX holiday without a debit card and its very very very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As the XXXX I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 

XX/XX/2023 Discover was noticed of new stipulation as the XXXX. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX a notice of tender was sent RE XXXX XXXX XXXX XXXX XX/XX/2023 Payment was tender with {$21.00} money order RE : XXXX XXXX XXXX Money order was redeemed with instructions to use for special deposit on acct. 
The money order was put into general deposit commingling funds. 
XX/XX/2023 statement of discharge was sent RE : XXXX XXXX XXXX XX/XX/2023 a Debt Assignment by XXXX was sent RE : XXXX XXXX XXXX XXXX XX/XX/XXXX a final statement of discharge was sent XXXX : XXXX XXXX XXXX XX/XX/XXXX A rescission of signature was XXXX RE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 2023 Exoneration from debt was sent cert mail # XXXX The debt amount is {$2300.00} To date Discover has not responded to any notices or rebutted any notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. 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 explanation
Consumer complaint received 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One charged me {$4.00} dollars on my credit card ending # XXXX after I paid the account in full on XX/XX/2022. 
On XX/XX/XXXX I paid {$50.00}. I contacted Capital One and confirmed they received my payments and to make sure they were going to close the account. Capital One confirmed the receipt of the payments I made. I had no idea Capital one was going to charge me fees after they confirmed my account would be closed with a XXXX balance. This is predatory of Capital one to do this to its consumers and they reported me late to the credit agency too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2022 SUBJECT : Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. 

Hello CFPB, I have heard great things about your agency and helpful employees. 
Bank of America is intentionally Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. ( meaning pay only " current balance ''. 

As a good citizen, i pay my balance before the due date ( or at least portions of it ). On the due date full statement balance is getting paid ( instead of current balance ). So my balance is always in credit ( negative ) and Bank of America is not refunding this unless asked. They are enjoying customers money ( credit balance ) for free and probably investing it. 

Please help to set it up " current balance '' is paid. At this point, this is not possible online or over phone ( screenshot attached )

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 2022-08-19
Company: EQUIFAX, INC.
State: ME
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was checking my credit score recently and noticed that there was a new collections account on my credit file. I expected a decrease in my credit scores with all 3 CRA 's. What I didn't expect was a XXXX point deduction in my Equifax credit score. So I called on XX/XX/2022 to try and resolve the issue and find out why this had happened. I was treated horribly and had to call back about the same issue several times, because I couldn't get any assistance from customer service that I needed. 
From XX/XX/2022 to XX/XX/2022 my Equifax credit score had been a steady XXXX. On XX/XX/2022 the Equifax credit score plummeted XXXX points to a score of XXXX due to the report of XXXX collections account. XXXX and XXXX XXXX Scores only dropped XXXX points. I want to know how this could happen from XXXX collections account? After recently being made aware of the Equifax Coding Error with their credit scores it truly concerns me that after repairing my credit to a reasonable score of XXXX this company would allow my score to get depleted beyond the standard deduction of XXXX points. My score is currently a XXXX, so I see they have added XXXX points back to my score, but where is the other XXXX points? My score should've been no less than a XXXX after a XXXX point deduction for the collections account. The other CRA 's only deducted XXXX points. Please note from XX/XX/2022 to XX/XX/2022 my XXXX Credit score gained back the XXXX points putting my score with them back to a XXXX. 
Equifax is hindering my ability to obtain any credit I currently may need to obtain to survive and provide for my family. The XXXX points that they've deducted from my score with them has under minded my plan and goal to rebuild my credit. This coding error that Equifax has claimed responsibility for has significantly affected more consumers than the XXXX they claim it only affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: GA
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:
There are two items ( XXXX XXXX, XXXX XXXX  ) reporting on my credit report that are not my accounts. It appears that both accounts were open in 2019. I have made several attempts to contact the credit bureaus via mail to address this situation. Each time I receive an updated copy of my report with the same 2 items still reporting. I have not receive any results of the investigation that can actually tie me to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
There are errors on my credit report. I contacted the lender directly and I was not able to get my questions concerning these errors addressed. Transunion reported on XX/XX/2021 that account was last active. Transunion also reported XX/XX/2021 was the last payment date. XXXX reported last active date was XX/XX/2021 and last payment was XX/XX/2021. XXXX stated XX/XX/2021 account was last Active and on XX/XX/2021 last payment was made. All these errors on my report makes it impossible for me to understand. This is frustrating and has caused me a great deal of stress. Please remove this account off 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 explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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 act 1. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX Original creditor XXXXXXXX XXXX XXXX 15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : 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 explanation
Consumer complaint received 2022-06-21
Company: Weimark
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not have association, credit, or loans with this creditor. This was not approved and or authorized. 

WEIMARK Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried XXXX different methods to get unknown/unauthorized hard inquires off of my report by mail XX/XX/2022 and by phone XX/XX/2022. Their phone system is set up where they will not allow callers to speak with a representative to resolve this matter. 
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 2022-11-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I applied for a XXXX Credit card. The application was declined for " A delinquent credit obligation ''. I followed up with both XXXX and Experian and each company is blaming the other. 

My Experian credit report shows a score of XXXX. I have no delinquent payments and no negative items on my account. I also checked XXXX which shows a score of XXXX and no outstanding items. 

I have been shuffled around between XXXX phone numbers provided by XXXX including the number on the rejection letter which says " If you have any questions, call us at XXXX or go to XXXX '' The phone number does not allow you to ask questions and provides no way to contact a human or resolve the issue. 

I only have XXXX credit cards. XXXX ) XXXX platinum for over XXXX years and XXXX ) XXXX Credit card. I have never had an issue with credit and the lack of consideration shown by both XXXX and XXXX resolving the issue is disgusting.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX bankruptcy : XXXX, XXXX  XXXX bankruptcy : 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 2022-11-23
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I submitted an order on XX/XX/2022 for {$3000.00} transfer to XXXX through WorldRemit Corp . 
They did not fill my order and I requested to cancel this order on XX/XX/2022 and they agreed on the cancelation on XX/XX/2022. But I have not receive the money yet. 

I requested the dispute from XXXX on XX/XX/2022, but XX/XX/2022 the bank told me the merchant rejected our dispute. 

I called WorldRemit and XXXX many times. 

The bank said they don't have the money asked me to call the WorldRemit, the WorldRemit said the only authorize the money, didn't take it from my account. It has been released. 

But I didn't get it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Unauthorized hard inquiries where put on my Transunion credit report from an incident of Identity theft. I did have some closed and open accounts with some of the institutions listed below, however the new inquiries where not initiated by me. The list below shows name of institutions, as well as dates of occurrences. 

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 explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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