BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for TransUnion. It advertises by signing up you get all 3 scores and reports. I signed up paid XXXX it ONLY gave me TransUnion. Then it tried to charge me XXXX more for the other two scores but that's not how it advertised. I called they refused to give me a refund. Rep kept blocking me from speaking to a supervisor. She kept repeating we Are not giving you a refund. I kept saying I've asked several times to speak to a supervisor and you have yet to allow me access to one. Then she said imma put you on hold and she never transferred me to a supervisor. I've attached what their site says when you sign up

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 monetary relief
Consumer complaint received 2022-07-08
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:
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 XXXX now im XXXX  XXXX  cant provide to my XXXX XXXX XXXX  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 2017-08-17
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an XXXX Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming.
Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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 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 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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an XXXX Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. ( XX/XX/XXXX - XX/XX/XXXX) ( XX/XX/XXXX - XX/XX/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 2017-08-17
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for American Express credit card online 2015 which was never sent via mail. I got in touch with American Express to find out if I was approved, they said they sent a card, I told them I never received it, they said they would send another card, which I never received. I did n't receive anything from American Express until a year later for a charge of XXXX $ for apparently being a member. I never used any service with them, or receive the credit card via mail. I called them about the charge and let them know I never received the card or used any of their service so they should cancel the account and remove the XXXX $ charge which they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax credit bureau will not assist me with an account balance verification ... the company name is XXXX XXXX XXXX, this company is price gauging due to the covid 19 pandemic, this company double the balance on a vech that was sold or auctioned, the balance should be {$5200.00} and they have doubled it to {$10000.00} in 1 month as of XX/XX/2020 ... .I have disputed this acct with no help from Equifax credit bureau XXXX I requested proof of the balance and they will not provide ... please help I am a victim thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent Equifax a letter nearly two months ago, asking them to investigate errors on my credit report. Its been well over 30 days, and I have yet to get a response from their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My chase account went negative and as soon as I saw it, I deposited the needed amount to cover the fees. But the cash deposit didn't post until the next day, I fot charged over {$90.00}!!! In fees! Now I'm at over {$120.00} negative! Even though I paid the negative balance the same day it went negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-26
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX and XXXX of 2020 I applied for a personal loan on XXXX and they told me that i did not have enough check stubs and that was fine. So i applied again on XXXX I put the app in and they told me that i was approve and they would use my car as collateral and i needed for 4 check stubs which in my case 2 since i get paid ever 2 weeks they lied and said that i was not approve because of income which i know is a lie because i am a truck driver and then the next day i called customer service in Indiana there main headquarters and said i got turned down because a have alot of inquries which is a lie too. 

one main financial XXXX XXXX  XXXX XXXX. 
XXXX XXXX Oh XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Receive letter from XXXX XX/XX/XXXX received phone call from XXXX XXXX acknowledging they did pay out money out of the account to Western Union in XX/XX/XXXX {$1300.00} Western Union has no record of the transaction theres no transaction number received letter from XXXX that I still old this debt to XXXX XXXX  I have been communicating with XXXX from XXXX XXXX XXXX XXXX for the past week who was helpful enough to let me know that money was paid out from XXXX XXXX XXXX  to Western Union and I was not aware of this all this time that Ive been disputing the facts so there is money that was sent out to Western Union whether Western Union still has the money or whether the money was transferred onto XXXX XXXX l have no record of it and Im still responsible for the debt. XXXX  see if they rolled off the amount so it looks like they did not receive it. So where is the money does Western Union still have it in an account? I would like to know where the money is who received it so that the debt can be closed appropriately documentation of receipt of the payment. I can be reached at XXXX thank you for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: AZ
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:
US DEPARTMENT reports that all my loans are charged-off. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? These are the following account numbers : XXXX, XXXX, XXXX, XXXX, There are 10 Loans in total.

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 2022-07-08
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: 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 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 2021-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Uber Technologies Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I was informed that Uber had some cars for lease and that the condition was they would deduct money from your service for the " lease '' car and to go ahead and get a lease car with their partner group XXXX XXXX. I went to a dealership and made sure to ask the dealership if this was going to be on my credit and they stated clearly this was not and it was just a lease and the only reason they needed my credit was to make sure I was not a XXXX.. this was the dealer who is point of contact with Uber XXXX XXXX . I signed some papers and drove out with a car. After a month or so, I figured uber was not my thing and I requested the car to be picked up. Now, I still show XXXX ( XXXX ) inquiries in my credit for XXXX XXXX. I did not know they were pulling my credit ( hard ) and would like to have this removed from my credit. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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 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 n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter 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 explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of the issue TransUnion had with credit reporting. I called customer service and they were unhelpful. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I was a previous customer of XXXX XXXX ( XXXX ), an electric utility company that provides reporting to the credit bureaus, when I lived in XXXX ( XX/XX/XXXX-XX/XX/XXXX). In early XX/XX/XXXX, I was reassigned for work to XXXX XXXX. Upon moving from XXXX, I requested that XXXX disconnect my service. XXXX terminated my service as requested ; however, I did not receive the final bill from XXXX. I was only notified of an outstanding balance on my XXXX account in XX/XX/XXXX when I was called by a collection company. I suspected the collection call was a scam so I hung up and immediately called XXXX. I was advised by the XXXX representative that I did in fact have an outstanding balance, but that I would be all set if I resolved the matter with immediate payment to XXXX. In light of the XXXX representatives assurances, I paid the outstanding balance at that time and settled my closed account with XXXX. Despite the XXXX reps assurance, I recently discovered that XXXX  reported to TransUnion and XXXX that I was delinquent and referred for collection in XX/XX/XXXX( however, I paid and closed the account in XX/XX/XXXX)! On XX/XX/XXXX, I attempted to dispute the inaccurate reporting through TransUnion ( and separately through XXXX ), but after investigating TransUnion informed me on XX/XX/XXXX that the reporting was verified by XXXX as accurate and updated. Nevertheless, my TransUnion Credit report still reflects collection in XX/XX/XXXXmore than three years after it went to collection and was paid in full ( and despite the fact that the XXXX representative indicated there would be no collection issue ). I immediately called TransUnion to follow up and they told me that I would have to submit a dispute ( again ) to get the date corrected, even though I had just attempted to dispute it! I also notified a XXXX representative of the incorrect reporting via the Better Business Bureau ; however, XXXX has not notified me of any intent to take corrective action. The XXXX reporting to TransUnion therefore remains inaccurate. The collection ( which never should have been reported for collection in the first place ) occurred in XX/XX/XXXXand despite my best efforts to dispute it, is still reflected in the TransUnion report as occurring in XX/XX/XXXX. Please help me get this removed from my account. A screenshot from my TransUnion Credit Report is attached as evidence that XXXX continues to incorrectly report to TransUnion that my account was referred for collection in XX/XX/XXXX.

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