BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. XX/XX/XXXX sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my XX/XX/XXXX and Transunion credit report. They are reporting 2 different payment statuses and comments. Transunion is reporting a charge off and XX/XX/XXXX is reporting discharged debt in 3 different kinds of bankruptcies. XX/XX/XXXX and Transunion both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX. This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the 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 2019-10-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX charged my bank account {$1100.00} instead of my credit card ( XX/XX/XXXX ). 
My bank account only had {$820.00}. 

But even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank processed it as a normal transaction and my account got into the negative ( XX/XX/XXXX ). 

XXXX tried to issue a refund for it because it was done by mistake and the merchant issued a refund right away. However, they couldn't issue a refund because the eCheck didn't clear as I didn't have enough balance in my account ( XX/XX/XXXX, they originally told me that my refund would be issued by XX/XX/XXXX ). 

So even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank just processed it and charged {$1100.00} to my bank account, then the check bounced and I got my money back ( XX/XX/XXXX ). 

However, Citibank still decided to charge the {$34.00} fee. I wanted this to get reversed as I originally asked Citibank to do so last time when I called them but they ignored. However, when I contacted the customer service they refused my request ( 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 monetary relief
Consumer complaint received 2023-10-28
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I informed Apple Card by Goldman Sachs that I was encountering financial difficulties due to health issues faced by myself and a family member. I have had the account for a couple years and have established a track record of making full payments, each month, on time. 
I have diligently been making payments each month over the last 3 months, but have relentlessly been charged interest and have not been offered any help with the continual charges, notwithstanding my longtime account member status. 
In addition, the interest calculator tool has been incorrect, and the system increases the amount of interest in large excess than what it states it will be as the month goes along. 
I have been charged over {$250.00} in interest over the last 4 months despite proactively reaching out to ask for disaster relief ( stemming from XXXX damage to my family member 's home in FL ) and health crisis considerations. When I call, I receive discourteous, unhelpful service, along with false promises about what interest can be waived and what can be done for my account. 
Additionally, I was told that I couldn't receive any help since I had already made the minimum payment in a given month and to call back early the next month ( which means that I'm being penalized for making as many payments as possible! ). However, when I called back the next month before making any payments, I was told I STILL could not receive any assistance. 
Apple Card has been the worst experience, from a customer service standpoint, imaginable. As a comparison, when I called XXXX with a similar request, I was given a XXXX interest waiver and an offer to be put on a zero-interest plan for 12 months. I don't expect that every company will behave the same, but I certainly did not expect that XXXX and Goldman Sachs would leave me feeling so helpless and hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good Afternoon, This is a follow up to my previous email in regards to my claim with XXXX XXXX. I spoke with the Leasing XXXX XXXX XXXX at XXXX XXXX XXXX. She states and she proves that I was NOT in XXXX XXXX as stated on the letter sent to XXXX XXXX. I am still not understanding why the charges were deducted to {$160.00} if I have proven I was did not live in XXXX XXXX. Also, according to 15 U.S. Code 1681b Permissible Purposes of consumer reports it states that a consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with WRITTEN instructions of the consumer to whom it relates. I do not recall giving any companies any type of of instruction to have these things on my credit report. They also need to prove that they have written instructions that I gave them permission to report this on my report. This is defamation because you are reporting negative items that's been making me seem like a irresponsible person. I take my credit and character very seriously. Please remove from my credit report. Thank you.

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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with XXXX and Transunion I noticed a lot of unauthorized hard inquiries on my report. I called XXXX and Transunion several times and also disputed those negative items and they have not been removed. On my Transunion report the only items that shall remain that I authorized are from XXXX and XXXX. Thanks in advance.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I am filing another complaint on XXXX XXXX XXXXXXXX. This is following a complaint I made back in XX/XX/XXXX. XXXX XXXX XXXX has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. XXXX XXXX XXXX has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank you

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 2023-05-02
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, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 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. 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. XXXX. # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX, U.S DEPARTMENT OF EDUCATION XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX, DEPT OF ED? XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF EDXXXX # XXXX DEPT OF ED/XXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED 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 2017-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has an item listed on my credit report XXXX XXXX XXXX Dated XX/XX/2010 Acct # XXXX This not my account I disputed this item on my credit report. It came back as verified. I asked Experian to mail me the verification method within the 15 day timeframe. They did not. I ask that under the FCRA that this item is removed immediately.

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 2017-04-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have an 18 month payment plan with Navient, that is payroll deduction for {$190.00}. The payments come out on the XXXX and XXXX of every month. 
Somehow for the month of XXXX, my payment came out on the XXXX and the XXXX instead of the XXXX. Navient sent this to XXXX XXXX saying that I had missed a payment and it drop my credit score. Now, they received payment for the XX/XX/XXXX 10 days ahead, but they still sent this in on my credit. I have never missed a payment with them and I want them to clear this up with my credit. Out of all of the suits, they still can not get their stuff together. If you check my payment history with them I have never missed a payment or been late. And they will hassle the XXXX out of you. I called them today and you can never get a straight answer. This is another scar on Navient for the headache you have to go thru in order to make your payments. Even with all of the Lawsuits!! Help me to get this off my credit and we will start over again, until something else come up. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: American Accounts & Advisers, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had gotten a bill collection letter in the mail today, from physical therapy, filed in XX/XX/2023, file XXXX XXXXXXXX Well I do not owe any amount for my therapy appointments, every time I went in I did the right thing and asked how much I owe and my answer was nothing, it shows you owe nothing, so how am I getting sued for not owing anything? I havent even gotten a so called bill for this and Im angry, I did the right thing and now they say I owe them all this money, no, no I dont

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$1500.00}, XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$1500.00}

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 2023-10-28
Company: FC HoldCo LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested flag ship update atleast one of the three major credit bureaus since they have not done an update in six months on my payments the reports show no data. This was in XXXX I gave them a month to update the data and they did not so I filed a dispute with XXXX. At the time Id messed up the dispute and was unable to include my proof of payments as a pdf file but Flagship reported the data as correct instead of updating the payments I have been making. I have not been notified of any contract changes and they use to update monthly.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has an item on my credit report that was not verified. XXXX it was updated XX/XX/2016 the company address is XXXX WA XXXX I have never had an account with XXXX I requested verification from TransUnion and it was supposed to be sent within 15 days according to FCRA it was never sent and I want this item removed immediately Legal Counsel has been notified.

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 2022-03-17
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: Old information reappears or never goes away

Complaint:
1 ) Equifax reporting an " old '' outdated personal statement. Probably all XXXX are reporting old statements. Please remove all previously reported personal statements from all XXXX credit bureaus. Thank you. 

2 ) Under Closed Accounts and/or revolving credit closed accounts. I enclosed in attached copies of my credit file. Where XXXX XXXX XXXX XXXX . Which filed something called a reaffirmation as part of my XXXX bankruptcy case. For the purpose of this complaint. The loan was never late paid in full. My understanding under the Federal BK laws, it is unlawful for lenders and financial institutions to disclose and report any account information from my Federal Bk Filing. Since CFPB falls under Federal Rules. This is a formal request to please take action against XXXX XXXX XXXX XXXX for ignoring the Federal Law and disregarding all previous request. 

3 ) Equifax ; XXXX and XXXX : Still reporting XXXX, Oklahoma Address. In addition, work addresses from my former spouse as my personal address. To be clear. 
Any investigation will reveal. I have lived at XXXX XXXX XXXX since XXXX. Therefore, all other addresses reported are unconfirmed and/or my former spouses ' work-related addresses. Therefore, please remove random unconfirmed addresses especially, the one reported for over 2 decades from XXXX, Oklahoma. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My credit report includes the following erroneous information that needs to be investigated and corrected. I want you to removed these inquiries on my report. This was already included in my prior COMPLAINT, and I'm including it again 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 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 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 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 explanation