BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory 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 non-monetary relief
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 almost 11 inquiries on XXXX  report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting 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:
This is to call the attention of concerned that there has been an improper use of my credit report which has result to someone unauthorized inquiries on my report, I will like this error addressed in a timely manner.I do not authorize nor benefit from any of the following inquiries, reporting irregularities is a violation to my consumer rights kindly remove all inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD CaliforniaXX/XX/2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2019-01-07
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: Information belongs to someone else

Complaint:
I am filing a complaint against US DEPARTMENT OF EDUCATION with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NC
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:
I reached out to SYNCB/WALMART about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2019-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
https : //www.justice.gov/opa/pr/credit-suisse-agrees-pay-528-billion-connection-its-sale-residential-mortgage-backed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While SPS ( XXXX XXXX ) allowed me to modify my loan and defer in XX/XX/XXXX or XX/XX/2018 until the end of my note, they decided to later say I owed for escrow shortages to raise my rates to collect more money and completely negate the supposed method of deferment assistance. They may have said they are assisting the homeowner in order to receive credit for this lawsuit settlement, they have not been monitored since. They initially do the modifications or reliefs but later tack on additional fees and claim escrow shortages to put me and many other homeowners right back in the same position. I will also be filing and reporting fraud with the department of justice. They have decided to refer my loan to an attorney for foreclosure.  They say my loan is owned by XXXX XXXX XXXX XXXX, however the pool that my mortgage was sold in ( and a fraudulent mortgage assignment recorded in XXXX County One signature on my assignment, XXXX XXXX is listed only as manager but she has a different title and has notarized other homeowners assignments ) was recently referenced in a lawsuit by XXXX XXXX XXXX XXXX and was to be bought back by XXXX ( XXXX XXXX ) or XXXX/XXXX  due to XXXX/XXXX  XXXX lies and misrepresentation of mortgages in that pool. Its yet again proof that this company will spare no expense, even violate federal consumer protection laws to get what they want, a single mothers home where she has raised her children. They will pad their pockets and increase their gains anyway necessary even to the point of misleading homeowners and the federal government of their attempts to assist. 

It is a shame that this bank and company ( SPS who is owned by XXXX XXXX ) is allowed to mislead homeowners and put them in a bind to only take their homes after leaving them with so much debt that they couldnt refinance, sale, or achieve ultimate homeownership if they wanted to. They are a scam and lie and manipulate. I thought I had relief from them when I received a letter from another company but SPS continues to harass me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I disputed the unauthorized transaction for SYNCB / AMAZON with XXXX, and the dispute report # XXXX did not find the mistake. 
Back in 2014, I found many fraudulent transactions and called Amazon to cancel the account, but it kept sending the statement to ask for the payment I did not authorize. 
It affects my credit score a lot. Could you please help me to solve this problem? 
Thank you. 

Best regards, 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 2022-03-08
Company: Central Portfolio Control Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have XXXX XXXX who informs me when I have a negative mark on my credit. A collection agency I believe it is Central Portifolio Cont with sending me anything to dispute this debt has shown up on my credit as an unpaid bill. By law the are required by law to send you written notification on a debt which in this case they did not. Which you then are allowed to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 my credit card was charged for a total of about {$4200.00} for a hotel in XXXX and i was in the USA at the time of the transaction. at first they did reverse it while they did research but then it was back on my account. i disputed it multiple times and even did 2 appeals and they arent resolving it. they just keep sending me in circles saying theyll escalate it and that they will contact me before making a decision with further questions. I keep getting letters saying we tried to reach you so we closed your case and determined the charges are correct and you are responsible for paying it. I never got communications. i even verified all emails, addresses, and phone numbers. They said they have no record of anyone reaching out. I want this charge taken off because i shouldnt be charged or penalized for fraud that wasnt even me.

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 2019-01-07
Company: Experian Information Solutions Inc.
State: NC
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:
I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is 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 2019-01-07
Company: The Hamilton Law Association
State: NY
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:
XXXX XXXX XXXX keeps reporting to all three of my credit bureau 's that I never paid my medical bill and reports that I made partial payments recently. I have proof that the bill was paid in XX/XX/2016 to XXXX XXXX XXXX in my credit card statement attached and it was made once in the amount {$820.00}. XXXX XXXX XXXX agreed to give the money to XXXX XXXX XXXX the medical bill money, but illegally pocketed the money and did not pay the hospital as agreed in their recorded phone call conversation with me. They are trying to extort money additional money and followed through in there threats to consistantly report to the credit beareau agencies that I never made the payment. They recently have reported to my credit bureau 's that I never paid the {$820.00}. The XXXX XXXX XXXX sent the bill to XXXX XXXX XXXX because they sent the bill to the incorrect insurance company in their region and did not send it to my address. They also made no attempt to contact me. All of my information was properly written down the day of my injury by XXXX XXXX XXXX and given physical medical and personal information documents.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My Husband XXXX XXXX took out a loan with Springleaf Financial now know as One Main Financial. This was an installment loan with using a 55 inch XXXX tv as collateral. They asked him if he owned his car/suv he told them NO I do not that is in my wife 's name. I XXXX XXXX, noticed in XXXX  on our car insurance, bill with XXXX XXXX XXXX XXXX XXXX, that Springleaf what showing on as lien holder on my XXXX XXXX XXXX.

I called Springleaf office several time and they refused to talk to me. XXXX XXXX gave them permission over the phone one occasion and then handed the phone over. I told them you need to remove yourself from my car as lien holder as the in NOT in XXXX 's name it's in mine and I have the titled. They said they had no knowledge of this.

I elevated this to corporate and NOTHING was done so finally I told XXXX to Stop paying on this loan it is NOW paid off and I am going back after them for damages as they can not lien property they never had the titled or authority to do so.

That is Fraud, I XXXX XXXX did NOT give authorization nor did I sign the title of my vehicle over to XXXX  for this installment loan.

I need to make this clear that XXXX XXXX is who the loan was for I am his wife XXXX XXXX, but I am NOT on the note of this loan. This was something my husband took out in his name only.

I called my insurance Agent XXXX XXXX and he was able to find out that this request as lien holder came in through corporate by way of Springleaf and NOT to his office, which he pointed out is not the normal process, usually he would get the phone call and information from the consumer and he would reach out to the lien holder to verify. Since this went directly to XXXX XXXX XXXX XXXX XXXX corporate he was unaware until I contacted him direct, after years of failed attempts with Springleaf Financial now know as One Main Financial.

I have attached all the proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: American First Finance, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took my car in for some work at XXXX back in XXXX of this year, they offered me financing so I filled out the application and was approved for around XXXX $ through American First Finance. To fix the car issues it cost around XXXX $ and while looking at my bill recently I realized that I had paid XXXX $ for 4 months and that had not lowered the bill at all. I called American First Finance to see what my interest rate was and if it could be lowered, they told me that my interest rate is 144 % and that is the contract that I signed and it can not be lowered. I pleaded with them that over XXXX $ a day during a pandemic for a person who is laid off and is needing to borrow XXXX $ in the first place is making this finance loan very difficult to pay off. They told me there is no way to lower payments or interest so being that 144 % interest rate is very extreme and the goal to pay off the loan seems unattainable I am asking for your help. 

Thank You

Company response to consumer: Closed with explanation