BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
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:
Transunion is reporting multiple tradelines with inaccurate information. I was unemployed in XX/XX/2014 and my Navient and USDOE loans were deferred as I was collecting unemployment from XXXX at this time. These lates should be removed from my credit report. 


I was NEVER late XXXX XXXX or XXXX. These lates are inaccurate and should be removed. 

XXXX is being inaccurately doubly reported as 2 seperate tradelines. 

I have been locked out of the online dispute center and transunion refuses to open it for when when I called.

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 2022-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two student loan accounts ( US DEPT. OF EDUCATION/XXXX  ) reporting on my credit file incorrectly. These accounts are not mine and I asked the credit bureaus to validate or remove them. They said the debts were verified and indeed belong to me. 

Either the same account is reported twice on my credit file which is a violation of the FCA or This account is a result of Identity theft. I have filed a report with the FTC and attached it to this complaint. 

I am curious to see how this account was verified. I would like the credit bureaus to send me the method of verification and any information received from the furnisher so I can add it to the file with the FTC so we can properly solved this issue. 

Also you seems to have received new information can you please provide that to me? 

Attached I have all the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Account information incorrect

Complaint:
To Whom It XXXX Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX  or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

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 2022-08-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I bought a telephoto lens bundle from XXXX. The order was delayed/lost, so they let me order the same lens but from a different seller. However the first seller XXXX XXXX XXXX claims their lens was delivered but I never got anything. This issue has been brought up multiple times with XXXX and they've sided with me claiming there's no evidence of the lens being delivered and even in their system it says the item is still in transit. XXXX SYNCHRONY BANK however refuses to refund me back the credit. I've opened multiple disputes and they keep declining them. Their emails keep saying " the seller claims that you received your item so no refund will be issued ''. They provide no proof, no delivery date, no pictures, and aren't cooperating with me or XXXX. This issue has been on going for over a year and a half now.

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 2023-08-16
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute regarding several violations I have identified on my credit report. I am seeking your assistance in addressing these violations and enforcing my legal rights under applicable consumer protection laws. The violations pertain to the following accounts : XXXXXXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

XXXX. XXXX Account Number : XXXX Violations : - Incorrect high balance - Inaccurate date of last activity - Reporting reaged accounts - Reinsertion without proper notice - Undated late pay - Charge off listed as open - Collection account with a limit Violations : These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Fair and Accurate Credit Transactions Act ( FACTA ), including sections 605B, 611, 623, and 807. 

XXXX. Personal Information Error Also Known As : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violation : Reporting incorrect personal information in violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ). 

XXXX. XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

These violations have had a profound impact on my life. The inaccuracies and unauthorized inquiries have created significant stress and financial uncertainty. For example, my pursuit of housing has been hindered by these inaccuracies, causing me to miss out on housing opportunities that could have greatly improved my living conditions. Additionally, the emotional toll of constantly battling these inaccuracies has taken a toll on my mental well-being, affecting my ability to focus on my responsibilities. 

I kindly request that the aforementioned creditors be required to remove these unverified accounts from my credit report in accordance with the applicable laws. Your intervention is crucial in rectifying this situation and ensuring that my consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a prompt resolution that restores accuracy and fairness to my credit report. 

Sincerely, 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 2023-04-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries. These were not obtained with my consent. On XX/XX/ I reached out to the credit bureaus to validate these inquires and I have not received any proof of validation. I requested that documentation be mailed showing where I authorized these inquiries, a agreement with my handwritten signature. Here are previous dispute ID numbers. 
XXXX XXXX XXXX XXXX Where I have requested validation documentation

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 2023-07-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Reporting agency did not follow law and completed a thorough investigation by validating and verifying the accuracy of the information being supplied by debt collector also bound by law to report the accuracy of the balances and has refused to do so and to correct the error despited multiple attempts to plead with them to cure the harm that has been and continues to be done to my credit.

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 2022-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
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:
On XX/XX/2022, I initiated a balance transfer request online on Fifth Third Banks ( my creditor for a credit card ) website for my XXXX XXXX ending in XXXX in the amount of {$1400.00}. Fifth Third Banks online balance transfer system automatically generates the balance transfer Creditors address. A few weeks after the balance transfer request, I noticed that payment had not posted to my XXXX XXXX. I contacted Fifth third and it was determined that the payment was sent to the wrong creditor. My XXXX XXXX was issued by and is serviced by XXXXXXXX XXXX XXXX. Fifth Third Bank mailed the balance transfer payment to XXXXXXXX XXXX. I have attached a copy of the check that was cashed by XXXX Bank on XX/XX/2022. 

Since contacting Fifth Third Bank by phone, I have been contacted by a representative named XXXX at number XXXX. XXXX prepared a letter on my behalf and faxed it to XXXXXXXX XXXX requesting that the funds in the amount of {$1400.00} be returned to Fifth Third Bank. She said in turn Fifth Third Bank would credit my credit card account ending in XXXX the {$1400.00}. XXXX has been persistently providing weekly status updates, however as of the date of this correspondence, XXXX days after the balance transfer request was initiated this issue remains unresolved. XXXX said she can not process a refund to my account because she can not verify that it was a bank error. This is clearly a Fifth Third Bank bank error. I did not input the wrong Creditor or wrong Creditors address into the balance transfer system, it was generated incorrectly by Fifth Third Banks online balance transfer system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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:
I sent my letters off on XX/XX/ I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Applied for the XXXX secured credit card on a few different occasions between mid XXXX and early XXXX. After that period, I got a letter saying my application was denied but afterwards I got an email saying it was denied because it was previously approved. I was informed via the XXXX site that I needed to make a deposit in the desired amount between {$100.00} & {$750.00}. I was not told I had to make the deposit for the exact amount I entered on my application. 

On XX/XX/XXXX I attempted to make a deposit in the amount of {$250.00} and was rejected a few times. I called the customer service number and was told to attempt a {$100.00} deposit and when I did, I didnt receive any error messages. To this day, the XXXX website reflects that I still have a {$100.00} deposit pending. 

On the XXXX XXXX  XXXX, I realized the site still reflected I was waiting for my deposit to clear. I learned on their help screen that if there was an issue with my payment, I would be contacted via email with further instructions. I havent recieved any emails concerning the security deposit to open the card. I contacted XXXX and they informed me there was a flag on my account and cleared the flag on my account. I contacted synchrony two days later and they told me to wait 24 hours and the next day I called synchrony and they told me to wait 48 hours. I called again and they told me to mail a payment but didn't specify which department to send it to. I dont remember the exact date but I called to try to get more answers with no successso I asked if they could just close the account since I wasnt getting anywhere. The customer service representative informed me it would be reflected as a closed account on my credit report. I just called again today, XXXX XXXX and they told me to clear my cache and try again. When it didnt work they told me to just check every day and if it doesnt allow me to pay, then I need to reapply. I expressed that my credit score was already affected, and they want me to wait and apply again. It seems they are just stalling until I miss the deadline of 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 2017-08-01
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is 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 2023-08-19
Company: Experian Information Solutions Inc.
State: NJ
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 rights to privacy and confidentiality under 15 USC 1681. 

Visions CU : # 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 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.

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX  XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # 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 2023-03-20
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 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