BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These items have been hurting my score significantly and I need them removed asap. These negatives items are stopping me from getting a house for my family. It's been far too long and nobody has helped me yet. Please get all of these items removed.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon review of my Credit Reports. I found that I have numerous Hard Inquiries on my reports that I did not authorize. ( See Identity theft report ) The following are Hard Inquiries that I did not authorize. 
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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated 5-day timeframe. I trust that you will act in accordance with the law.

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 2023-11-06
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit reporting ageny is incorrectly an account that does not belong to 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 2024-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2024, I attempted to log in to the TransUnion website to check my credit report and dispute a collections account. I had already done so successfully through XXXX. The TransUnion website was completely inaccessible and according to online comments has been for quite some time. Access to paid features was not affected, but access to the free credit report and dispute tool was completely blocked.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
DATE LAST ACTIVE and DATE OF LAST PAYMENT are incorrect and different on each of the Bureaus

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 2023-05-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclay credit card was paid in full minus the {$720.00} for an XXXX cellphone that I never recieved from XXXX XXXX XXXX XX/XX/2019. They didnt have the cellphone in the store, they claimed the only way to get it from the warehouse was to pay. I paid waited 45minutes couldn't wait anymore had to go to work. They gave me a small pink receipt for what would be a refurbished phone but I paid full retail price for a new phone that I never saw nor received. I told them to cancel the order the next morning less than 24 hours later they refused. Now my credit report is showing a charge off and balance due of {$1500.00}, when I owe them nothing. Barclays and XXXXXXXX XXXX are praying on the little guy. I dont owe for a phone I never recieved. XXXX XXXX XXXX bate and switched me. Barclays is trying to keep it going so they can collect interest. Original amount {$720.00} they claim i owe {$1500.00}. I DO NOT OWE XXXX XXXXXXXX XXXX nor Barclay Bank. Contact me 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 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-05-13
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CFPB, I have a Health Saving Account ( HSA ) with Bank of New York Mellon ( my account ends in XXXX ). These are federally administered accounts. There should be NO monthly fees on this account. For the past 10 years, Bank of New York Mellon has been charging me and other millions of Americans almost {$5.00} per month. This is fraud. Please contact this bank and ask them to stop this and they should refund this monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld system is reporting this Alleged collection account-XXXX as if its unpaid when it should be deleted because we agreed upon pay for deletion years ago, This is hurting my credit score at a crucial time when the Criteria for getting apprived is now XXXX and  above because of corona virus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I C systems reports the date of your debt incorrectly in an attempt to make your debt look new. In my case they are reporting a debt on XX/XX/XXXX, the debt is actually from XXXX and I have an email from the company the debt was originally from that agrees with my statement.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I filed a dispute with Transunion because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Transunion, their site states Closed accounts stay on your report for different amounts of time depending on whether they had positive or negative history. An account that was in good standing with a history of on-time payments when you closed it will stay on your credit report for up to 10 years. This generally helps your credit score. Accounts with adverse information may stay on your credit report for up to seven years. Its almost been 9 years. This is not an account in good standing. I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.

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 2022-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  and portfolio trying to collect a debt. That over 10 years old. I need them to show me first 90 days late and the original year this started from

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, so in 2021 the PPP Wave  was going around and me being a business in real life I wanted to get one for my business funds because Im young and coronavirus had really came and messed up my money flow and I knew that would help me get back to where I wanted to be in life. So I paid someone to do the loan for me and I was approved for XXXX. I had just received the loan in XXXX I had not spent too much of it and I had just got everything together I had got it transferred into my personal bank account because I had just got all my stuff together and I didnt have my business account routing number and stuff so I got it deposited into my personal and I was going to move it into my business account because I was going to spend stuff on my business card FOR MY BUSINESS. And the other bank was so slow opening up my business account waiting on documents they finally opened it in XXXX!! It had been a whole month tho since and my money was still in my capital one account. But on XX/XX/2021 I went to the bank to get a {$100.00} out the atm for my moms XXXX XXXX XXXX and the teller lady started going through my deposits snooping while I was at the window waiting and started asking questions about my deposit, she then locks my account, Ive talked to 100 people since then about getting the account unlocked Ive sent trade name documents in and everything I received a case number but still no help my loan is also forgiven the money is jus sitting in my capital one account which is still open collecting interest I think they just want to collect interest because its been almost a year and they still holding on to money that belongs to me & its forgiven by the XXXX. So its just free game and I need it, please help me get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On date XX/XX/2022, I sent XXXX, transunion and XXXX a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from there database. 

I then went back to XXXX, transunion and XXXX on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX  informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I currently have some accounts and inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. 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