BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXXXXXX XXXX account number ending in XXXX with a balance of XXXX dollars 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 an 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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT**** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT**** )

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. This items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened XX/XX/04 Balance {$300.00}, XXXX XXXX Date Opened XX/XX/04 Balance {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-08-26
Company: EQUIFAX, INC.
State: MO
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 reviewed my consumer report and noticed that I had one ( 1 ) late payment on a closed account that I was never late for. Consumer agencies have assumed a vital role and have a respinsibility to reoport consumer information to the best of thier ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX XXXX  # XXXX. Please invesigate as I have proof from a letter from the creditor that this account was never late. I am requesting proof of statements showing a payment was late. If can not be provided I denand that the late payment be updated to on-time as it should be correctly as I was never late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one bank kept increased my credit card limit to temptated me overspent, now i couldn't afford to pay even the minimum due, and they keep charging late fee while they said they will pur me on a program that won't charge me late fee. I can't afford to pay them, so scary, they want to kill me. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please help. I applied for an apartment and this apartment turned out to be fraudulent I filed a claim with Wells Fargo and I submitted the screenshot they requested and they still three months later close the case and continue to have my account negative over {$1000.00} and have a continued to accumulate {$35.00} overdraft fees for months I have contacted Wells Fargo and asked for this money to be returned and they say that the case is closed and I have to re-open a new case I reopen a new case three months later and submit the screenshot they request it again and I just contacted Wells Fargo today which is XX/XX/2021 and the representative told me that this case has no information linked to it I am tired of Wells Fargo treating me like this I would like my money back I open my account in Minnesota I live in Minnesota I bank in Minnesota I have struggled for months and months and I have lost my job to Covid and Wells Fargo a big of a corporation as it is comes down to damage and hurt consumers that are already vulnerable in this current time please help me get my money back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2023-08-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As I was auditing my credit report on XXXX  XX/XX/2023. I found an error on my report, there's an account reporting as a collection and is still showing a balance. How is that accurate? The credit bureaus is supposed to be accurate. Accuracy is a critical aspect of the credit reporting system because the data collected and shared by credit bureaus directly affects individuals ' financial opportunities, such as obtaining loans, credit cards, and favorable interest rates. Inaccurate information can lead to unfair denial of credit, higher interest rates, or even missed job opportunities, as some employers check credit reports as part of their hiring process - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Child Support I also found unauthorized inquiries on my credit report 3 of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts to resolve things with TransUnion XXXX but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - eq

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was paying down a debt that was in collections and the original collection agency didn't inform me that they sold the account, and I made a couple more payments to that company and now this new company wants more money. I'm not going to pay anything more. This practice should be illegal and today I'm calling the Texas Attorney General office and have this stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  is reporting inaccurate and incomplete information on my consumer reports. I demand that XXXX XXXX XXXX  update my account as never late always on time 100 % payment history. XXXX XXXXXXXX is stating I didn't make a payment but on XXXX and experian it shows im always on time never late account in positive standing. this is damaging my credit score and my ability to get credit. this is also defamation of character please fix these issues asap. 15 USC 1666b Timing of payments states no late payments exist in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Genesis FS Card Services, Inc.
State: MT
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:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : CB Indigo Bank aka Genesis FS Current owner of Debt : XXXX XXXX XXXX Amount owed as reported : {$300.00} XX/XX/2022 : I received an email from Indigo Credit Card Services informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by Genesis FS. 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, CB Indigo charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact Indigo regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by Indigo strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Dream Center Education Holdings
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/2008, I enrolled in the school I took 3 classes one class twice I dropped out in a timely manner, they ended charging me for the full program. I do not owe them that. I owe them completed 2 classes only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
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:
You are reporting inaccuracies on my credit report, first of all I've written to you before regarding this matter. You refuse to delete names on my credit report that does not match my name. Below is a picture of my ID showing my exact name, this is the only name and formant that I have ever had and that must be used. Every other name on this consumer report does not match, and it does not belong to me, delete these names immediately. Furthermore, you are furnishing outdated and irrelevant addresses on the premise that the credit report is supposed to be accurate. 15 USC 1681b speaks about relevancy of the information on the consumer report and the obligation you have to report accurate information. You are reporting inaccurate information and outdated information, you have single handedly caused damage to my reputation, my character, my mode of living. This information needs to be deleted ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any and Every bit of information pertaining to me needs to be deleted ASAP. And is against the LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification and the servicer, Mr. Cooper, has been giving me the runaround. I've had to send the same documents over and over. Now, they are saying they have the documents, however, they can't do anything because the sale date is now less than 37 days away. Mr. Cooper started asking for proof of occupancy. I have given them utility bill 's, tax returns, bank statements. Then they asked for a luxury bill, I don't know why a luxury bill would be better than all of the above mentioned items. Nevertheless, I provided it. Please help me save my home. I've done and provided everything I was asked for in a timely manner. 

Thank your for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a XXXX XXXX/XXXX account in good standing for several years with automatic minimum payments enabled. On XX/XX/XXXX, I made a lump sum payment of {$1000.00} to cut my balance due in half. Within two weeks, they automatically cut my credit line by more than half by about the amount I paid from {$2000.00} to {$960.00}. They sent a misleading and dishonest letter claiming a " Credit Check '' had driven their decision. In fact, my credit rating has been steadily improving every month since XX/XX/2017. XXXX XXXX simply does not want to honor the XXXX Cash back policy and they are discriminating against borrowers of XXXX descent. They not only charge us above average interest rates, they also preemptively reduce our credit lines to keep our balances near their limits to maximize the opportunity to charge additional fees and higher interest rates.

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