BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported accounts and inquiries that were fraudulent but I get no results or even response from 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 non-monetary relief
Consumer complaint received 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting an incorrect account on my credit report, and it putting an halt on me obtaining certain employment. The alleged debt does n't belong to me, and since Transunion is reporting it, it continues to make my life difficult.

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 2017-04-09
Company: RIA FINANCIAL
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This company operates International Money Transfer service " XXXX Money Transfer ''. 
1 ) I submitted the money transfer request on XX/XX/2016. 
2 ) The transaction receipt indicated that the money would be available by or before XX/XX/2016. 
3 ) The company debited my XXXX XXXX XXXX account on XX/XX/2016 for {$200.00}. 
4 ) The transfer was not received on XX/XX/2016 and there was n't any communication from the company. 
5 ) I contacted the company on XX/XX/2016, inquiring about the transaction. The representative replied and asked for XXXX information, which was provided. Eventually, after back and forth, the company did release the money on XX/XX/2016, plus it took 3 more days to reach my recipient resulting in a transaction time of 24 days. 

I believe the company failed to follow up w/ their XXXX inquiry in a timely manner thus misrepresenting the information about when the money will be available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-05-17
Company: AAA Auto Title Loans, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Complaint against Cash 1, LLC. On XXXX XXXX, a summons was given to me. Received numerous calls, texts, voicemails, and email telling me to settle this account before going to court. Today, XX/XX/2023, I called to have the debt settled as determined by default account from the court documents to be {$1600.00}. I was threatened that I had to pay another amount totaling {$2000.00}. I asked to speak with the supervisor or a legal department supervisor to escalate the information regarding the correct amount due and she wanted me to disregard the documents. I was denied access to speak with a supervisor. The representative XXXX XXXX in the legal department that I was speaking to denied me access to her supervisor or a manager in the lethal department. When I asked for the complaint officer information, she again denied me access and said XXXX will call you back. She became belligerent and stated you can file a complaint against me. I responded this is not personal. According to her, XXXX is her supervisor and the complainant officer for the legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, XXXX, Experian as well as DPEDXXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The due date for my account was XX/XX/2021 at XXXX ET. When I attempted to pay my bill on XX/XX/2021, the balance due was {$40.00} higher than the statement balance. I assumed this was most likely due to a late fee being assessed on the account as the statement indicates is possible if payment is not made by the due date and I've not made any additional purchases with the card since the statement date. When I attempted to view the recent transactions to confirm by suspicions, there were none. So I chatted with a representative on the web site and I was told if there was any activity on the account recently ( aka memo posted transactions ) that it was not visible to them for 24-48 hours. I then attempted a phone call and was told the same thing with the additional details that the balance updates every 15-20 minutes or so but the transaction details only update every 24-48 hours. As a consumer, this seems deceptive to me that a credit company could assess fees on customers ' accounts and the customer be unable to get details about these fees. If the system in use can reflect memo posted transactions in the amount due, it should also be be able to reflect the same in the transaction history and that information be available to the customer or employee.

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 2017-03-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have fallen behind on my installment loan, they extended my loan but since I can not pay the full amount I wanted to cancel my authorized withdrawal of funds XXXX and make another arrangement, they said they would not cancel the authorization and that they were going to take the funds out and not cancel my consent so it would seem that I am ok with the withdrawal. I talked to a supervisor, he belittled me, he raised his voice and said " He was done with me '' and hung up. I called back at lease five times, and all staff that answered said they would not cancel my withdrawal of funds. They said I have not intention of paying the loan, that is not true, they are still calling me to make more arraignments, when I call back the number is not a working number they leave n my voice mail. They are also sending me letters saying they are going to take me car away, even though it is not a title loan. Lastly, they said they would keep calling my references. I think I can say this is not harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After recently reviewing our credit reports from Transunion, XXXX and XXXX, we were shocked to see a firm called XXXX stating that we were delinquent. We never heard of XXXX. According to Transunion there is payment history from XXXX, but was never provided. Disputes have been submitted to remove XXXX from our credit reports, but Transunion is the only credit reporting agency that hasnt removed it. Please help us keep XXXX and Transunion from attempting to cause us financial/employment harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: IL
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 multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$350.00} ; DEPT OF ED/XXXX XXXX XXXX : {$450.00}

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 explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/XXXX I have seen numerous items on my consumer report from XXXX and Transunion that are not suppose to be on my consumer report I am disputing the following items 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 
The only name that is suppose to be on my consumer report is XXXX XXXX I do not want my social showing on my consumer report that is a privacy act of 1974 issue and that number belongs to the Social Security Administration its illegal to steal and sell identity per 15 USC 1028 A. I am disputing all telephone numbers because I have never had any of the numbers that is listed. And I do not want any phne numbers listed on my consumer report .I opt of out any promotions of selling my information soft pulls and hard pulls per 17 CFR 248.125. The only address that is suppose to show on my report is the one that is on the identity theft packet that is attached to this complaint. According to 15 usc 1681 c-2 ( a ) Transunion and XXXX have 4 days to block the information that I am disputing from my consumer report due to identity theft I do not need to fill out any other information other than what is stated in 15 USC 1681c-2 ( 2 ) Identity theft report which is attached to tis complaint. I have never obtained any goods or services from any of these companies I am disputing .There should be no inquires, no other addresses other than what's on my consumer report and I do not use any aka 's and no other names. I have been a victim of theft while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its sad that I can not obtain anything due to this identity theft i continue to face.

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 2018-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2023 I sent TransUnion a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: LA
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 sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is showing the following inquiries on my credit report that I did not authorize and they had no permission to pull my credit. I called Trans Union and they are unwilling to do anything for me. I would like these inquiries removed as they did not have my permission. 

XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, UT 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 2022-11-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received letter in the mail, stating that my Bread XXXX account application was on hold, due to my credit freezes blocking its processing. 

I have not applied for a Bread XXXX account, nor do I have any idea what that company is about. 

I called the bank listed on the letter ( Comenity ), and have been on hold for more than 30 minutes. I have no idea if they will ever answer the call or give me any useful info on this possible fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
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 fraud alerts or security freezes

Complaint:
My SSN was stolen and used to buy a phone from XXXX XXXX XXXX. 

Now XXXX XXXX XXXX has sent a collection agency after me, which has adversely affected my credit score. 

This happened AFTER I put a fraud alert 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 2022-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
All three companies locked me out I been try to rlfic the wrong info so they locked it out

Company response to consumer: Closed with explanation