BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing to bring to your attention a concerning issue I have encountered with TransUnion and XXXX XXXX regarding the verification of a debt, as well as reporting inaccuracies on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611, I submitted a Certified letter to TransUnion, requesting a method of verification for a specific account. Despite this, TransUnion has failed to provide me with any method of verification, thereby violating FCRA Section 611. 

Simultaneously, I contacted XXXX XXXX to request verification of the mentioned account 's ownership. In response, XXXX XXXX stated their inability to furnish the requested documents, depriving me of my rights as a consumer to access documentation pertaining to my account. I have attached XXXX XXXX 's response letter, confirming their inability to provide the necessary documents. 

The perplexing issue arises when TransUnion continues to verify the debt as valid, despite the fact that XXXX XXXX, the creditor, is unable to verify it. It appears that TransUnion may be engaging in deceptive practices, as it is paid by XXXX XXXX to report debts and may be profiting from inaccuracies. 

Moreover, I have identified reporting inaccuracies on my credit report from TransUnion, which is a further violation of my rights under the FCRA. I have attached a copy of my credit report highlighting these inaccuracies. 

I request the Consumer Financial Protection Bureau 's intervention in investigating and addressing this matter. It is imperative that TransUnion complies with FCRA Section 611 and rectifies the reporting inaccuracies promptly.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent certified mail on XX/XX/2022 and have not gotten a response.

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 2023-02-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have a store card with Victoria Secret through Comenity. Comenity strikes again! I have not been using my store card for months just paying on it. Today ( XX/XX/2023 ) I am doing some finances and got to look to see how much I have left. I am negative!! I get XXXX because I havent made purchases and yet it says interest on purchase, several times and purchases several times for something called ACCOUNT ASSURE. I assume this is some sort of card protection that I never signed up for. I dont check my acct on a regular because I have paperless statements ( looking out for the environment ) needless to say each month I make a payment it seems it is voided by not only a charge that shows as a purchase from account assure, but interest on this false charge. They have charged me several times over the course of months and interest which totally voids out any minimum payments. Therefore instead of paying down my balance on this card every month, I pay and pay and still end up in the negative for purchases I did not make, and I service I did not sign up for. Please help because I cant afford to constantly make my payments assuming I am eliminating debt while this company is adding debt to my acct and destroying my already not great credit in the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: AES/PHEAA
State: MA
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 had some of my XXXX XXXX XXXX with Fed Loan and in XXXX they were put into what I thought was deferment. However the person who put them into deferment didn't code it correctly so on their end it looked like I missed several payments which they reported to the credit bureau and on my end I was under the impression I didn't have to currently make payments. Fast forward to XXXX when I was in the process of purchasing my house my credit score was pulled and it was brought to my attention that I had several delinquent payments ( XXXX ) on my account that was reported by Fed Loan in XXXX. I contacted Fed Loan and after a short conversation I was reassured that they were going to take care of this situation and contact the credit bureau and have it removed off my report and they realized what the person who put the loans into deferment had done it wrong. Now fast forward to end of XXXX I was notified by Fed Loan that all my loans were being transferred to XXXX. I happen to look at my credit score today and realized it dropped almost XXXX points in a month and half and that the XXXX late payments are showing up on my credit report again. I contacted XXXX regarding my credit report and they looked up what the late payments were and said they were all from Fed Loan from XXXX and to contact Fed Loan and they will hopefully be able to help me take care of it again. However I tried to contact Fed Loan to address this issue and Fed Loan no longer exists because now all federal student loans are out of XXXX. When you call the Fed Loan number it automatically disconnects and XXXX said unfortunately they cant help because the late payments were reported by Fed Loan so only they can remove them. So I am coming to you for help on the situation.. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.

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 2023-01-31
Company: JPMORGAN CHASE & CO.
State: NV
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for Trans Union was XXXX, and XXXX was XXXX. 

3. I was shocked and dismayed to find that Trans Union penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and XXXX 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from Trans Union, and have the 16 points added to my original score of XXXX ( XXXX ). Although XXXX was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness.

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I viewed my credit report on XXXX XXXX and was surprised to see an a delinquency reported by Amsher debt collection. The delinquency said it was from XXXX XXXX. I did not receive a phone call nor a letter regarding this debt. On doing some quick searching I discovered they are required to notify me prior to posting a debt to my credit report. 

I called the agency on XX/XX/XXXX to dispute the delinquency and pay whatever was owed in full. I paid and got a receipt, however, when I asked for proof they had notified me they told me they mailed a letter but it was to the incorrect address. The debt originated from a phone bill at XXXX ( which was also never communicated to me because I switched to XXXX ). XXXX had my current address as they had sent bills there when I was a customer. However, when they reported this debt they used the wrong address so I was never notified. 

I explained this to the agency and they claim there is nothing they can do to remove the report to the credit bureaus even though they are aware I was not notified prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2018-08-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX and XX/XX/XXXX of this year, TD Bank imposed overdraft fees and processed transactions in such a way as to cause excessive and unnecessary overdraft fees against my checking account. This is currently occurring again, and my account now sits at - {$15.00} as I have been assessed {$140.00} in fees over the last month, while my wife recovers from a XXXX XXXX XXXX an we have XXXX small children to feed. 

When I contacted them via secure message, I was first told that they could not help because months ago, they reversed a fee that was caused exclusively by an automatic transfer from my TD checking account to my TD savings account. I immediately reversed that transfer, before the fee was even imposed, and the money never left their bank. After that I received generic responses and finally, no response. 

On XX/XX/XXXX, an online utility payment came through as TWO charges ( without warning ), splitting the actual payment from the fee. Of course they run the payment first and then the small service fee, triggering 2 overdraft fees in the amount of {$70.00}. 

That same day, there are a number of XXXX and XXXX transfers finally released - but not before they process a phone payment. They save that fee for the next day, though, so I'm not expecting it and they can lump it in with another one.

So then AGAIN, a transfer requested on the XXXX wasn't acknowledged until the next day, after a gas run that it would have covered. Another {$70.00} in fees, for that and the previous day 's phone bill. If not for the {$70.00} in initial fees, we wouldn't have accumulated the second {$70.00}. 

TD Bank claims that they process payments and whatnot in the order they're received, but they don't. They hold things in pending status, they lump together overdraft fees to suit themselves, and they refuse to work with us. They exchanged one unfair practice for another, getting rich off the poor.

Now, most recently, they are forcing ANOTHER egregious fee on a {$2.00} XXXX XXXX trial - when the rest of the order already posted. That right there is an easy {$35.00} fee for them, plus the {$35.00} fee to pay our internet bill that had been cut off, overdrafting the account {$15.00} when we've been swamped with fees and no one there cares.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called XXXX for addresses that did not belong to me. They mailed a whole report to a incorrect spelling of my name. Several names that were incorrect. One company has 3 different account numbers that do not belong to me. One company has 9 different account numbers that do 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 2022-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found multiple inquiries on my report on XX/XX/2023 that shouldnt be there because i did not authorize any Institutions or agencies to access my report I submitted the FTC report to the bureau directly and they did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$310.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$280.00} ; XXXX  XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Back in XX/XX/2022 I had my car broken into in front of my home. I had a check from my business to myself that was already cashed, in my car. The thief stole my check and created a fake check which he then cashed at a XXXX XXXX XXXX. I tried called my bank, M & T bank, as well as the bank that cashed the check, XXXX XXXX XXXX, and I was told 1 ) to call the other bank ( they kept sending me back and forth ), and then finally 2 ) my M & T Bank representative said that she can not do anything since there are no laws to protect business check fraud, and they can not force XXXX XXXX XXXX to give the {$2000.00} back to M & T so they can give it back to me, so I have not been able to receive my money since XX/XX/2022. I was told to call my congressman for help but never told about CFPB until I read about it in a newspaper, and now I am filing this complaint. It seems that the banks are not willing to do anything about this because its a business checking account and there are no laws to ensure they will get their money back so they don't want to give me my money back, even though the check was an obvious fake.

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