BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

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 2021-09-30
Company: Retail Merchants Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my credit reports for {$1500.00} that is not mine. I have disputed, and my dispute was denied. The company is called Retail Merchant Association. They have refused to send me any documentation, and they claim the original creditor is an XXXX XXXX in the XXXX of XXXX. I have never been in an ambulance in my life, nor have I ever been to the XXXX of XXXX. I need this resolved please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: GOLDMAN SACHS BANK USA
State: MD
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: Overcharged for something you did purchase with the card

Complaint:
Signed up with XXXX XXXX  for a 50 % offer around XX/XX/XXXX2021. Price should have been {$29.00} but they charged me full price of {$59.00}. I disputed with XXXX  and they refused to help on email on XX/XX/XXXX21. I disputed the charge on my Apple Card which is handled by XXXX XXXX. They declined me on 4 separate occasions even though I have screen prints of the offer and provided to them on 3 separate occasions and I can provide to you if needed. 
Called in today XXXX/XXXX/21 at XXXXAM after being declined again and talked to a XXXX who refused to give last name and refused to close my account saying it must have a XXXX balance. Then requested to speak to a manager and XXXX gets on phone and also refuses to give a last name and finally agreed to close the account. 
I care about my credit score and I take it seriously. However, I refuse to pay {$30.00} for something I didnt agree to. In addition I have not used XXXX because I have been speeding the charges since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: STATE EMPLOYEES CREDIT UNION
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 information incorrect

Complaint:
I currently have a late payment reporting on my credit through State Employees Credit Union back in XX/XX/2019. I haven't made any late payments so I shouldn't have any payments reporting late on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Facts are I was sold a " CLONE '' XXXX XXXX XXXX XXXX online 3-D website purchase is how your buy their cars. 

I purchased the vehicle on XX/XX/XXXX and it was delivered on XX/XX/XXXX byXXXXflatbed truck. I was informed on delivery I would receive my contract, license plates, and decal stickers delivered via mail. I never received any paperwork for the purchased vehicleXXXXthe dealership sold me a cloned vehicle and the subsidiary company BRIDGECREST sent letter informing they were deleting it from their records and all 3 credit bureaus to delete the account. 

Needless to say, BRIDGECREST continues to send fraudulent presentments in the form of pay coupons to send them money I do not owe. Also, I had to file state attorney general consumer complaints on fraud contract and vehicle purchase I had for 10 months. I received a call from Georgia DMV Fraud Agent informing me I purchased a vehicle on their State thats not registered. 

The companyXXXXcreated two fraud contracts as if I purchased the vehicle from state of Georgia when o purchased vehicle online from the state of Indiana. Fact is FBI has to get involved for fraud and other agencies for Odometor Fraud concerning Vehicle I purchased on XX/XX/XXXX. 

The results are the vehicle is under investigation with Missouri Highway Patrol Fraud Agent, U.S. Department of Transportation Odometor Fraud Agent, and Georgia DMV Fraud agent. I have not heard anything since the vehicle was unlawful reposssed on XX/XX/XXXX. 

I received a call by FBI XXXX XXXX Agent XXXX informing me where to go to pick up my personal property. I have received fraudulent mail that is in violation of FDCPA 1692 ( e ) concerning my consumer rights being harassed about a cloned vehicle thats confirmed I purchased a vehicle that do not belong to me under fraudulent sales contract created byXXXXcompany and BRIDGECREST. 

I have sent certified mail with tracking number. Phone calls made on XX/XX/XXXX, to XXXX XXXX requesting all RECORDS be sent certified within ( 5 ) business days pertaining to the ( 2 ) Security Retail Agreements created by XXXX XXXX Underwriter without written express consent. They used a fraud SSN to create the vehicle sales contract that does NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
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: Account status incorrect

Complaint:
My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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: Account status incorrect

Complaint:
XX/XX/2023 i sent letters is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 30 ) days of the completion of your re-investigation15 U.S. Code 1692e - False or misleading representations

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 2023-04-02
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 got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2021-09-22
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I noticed my my balance not reflecting what I believed should be in the account. I went over my online bank statements provided by TCF Bank. I noticed a total of 8 overdraft fees spanning over 4 days ( XX/XX/XXXX, XXXX, XXXX ) that I could not understand. I contacted my local branch on XX/XX/XXXX. I made contact again on XX/XX/XXXX and received a call back from XXXX later that day. Over the next 2 days I spoke with XXXX and he refunded 3 overdraft fees and I conceded to 1 ( XXXX XXXX, XXXX ). I inquired about the 4 additional fees ( XXXX XXXX, XXXX ) and he stated he could not do any additional refunding. I asked to speak with his superior. XXXX contacted me back and I met with her on XX/XX/XXXX. She explained to me about authorization, which I was already aware. She also stated, more than once, maybe I should keep better records. I found that to be a disrespectful dig as they ( TCF ) would NEVER go by my personal accounting and only their own statements that they provided. I asked her to show me. She turned her computer screen and showed me what she said was some accounting that proved what she was saying. I asked her to print it out for me, so that Iay review the information. She refused. XXXX stated that it was an internal system that attempted to recreate the charges on account. I explained to her that if she couldn't provide me with a copy, I was unable to go by that information. I was going by the information that was provided to me, by them, i.e the online statements. And those statements DO NOT reflect what she is saying. She put a dispute in the system ( only after being threatened with contact to your company ) on XX/XX/XXXX and told me I would be contacted. I called XXXX again on XX/XX/XXXX letting her know I had still not been contacted. She told me they have so many days to call me, still not telling me what that timeline looked like. What TCF is telling me and what they have provided me in statements do not match.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2021-03-19
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2023-09-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Report of Unauthorized Accounts and Inquiries XXXX XXXX XX/XX/2023 To Whom It May Concern, I am writing to report several unauthorized financial activities and accounts that I recently discovered on my credit report. Upon reviewing my credit history with my XXXX XXXX credit counselor on XX/XX/XXXX, I was alarmed to find several accounts and inquiries that I did not authorize or recognize. The details of these discrepancies are as follows : Unauthorized Accounts : 1. Navy Federal Credit Union ( NAVY FCU ) - Multiple revolving accounts and an overdraft account. 

2. XXXX XXXX ( XXXX XXXX ) - An open account linked to the original creditor " XXXX XXXX. '' 3. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX '' 4. XXXX XXXX XXXX ( XXXX XXXX ) - An open account associated with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX. '' 5. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' Unauthorized Inquiries : 1. XXXX XXXX 2. NAVY FCU It has come to my attention that there's a particular account associated with a XXXX in Texas and a subsequent eviction. I would like to categorically state that neither my wife nor I have ever resided in Texas, let alone a XXXX. We currently own XXXX properties in Georgia, XXXX in XXXX and another in XXXX. The information suggesting that someone was living in a Texas XXXX and faced eviction is entirely foreign to us. 

I have never given consent, verbally or in writing, to anyone to open these accounts or make these inquiries on my behalf. I was completely unaware of these unauthorized activities until XX/XX/XXXX at XXXX pm when I spoke with my credit counselor. 

The integrity of my credit report is of the utmost importance, especially since I am in the process of seeking to purchase a new home. Any discrepancies or inaccuracies could have significant implications for my financial well-being and plans. 

I am gravely concerned that I may be a victim of identity theft or fraudulent activities. I kindly request that a thorough investigation be initiated into these unauthorized activities. I am more than willing to cooperate in any way to ensure that this matter is resolved and that the perpetrators are brought to justice. 

I truly appreciate your attention to this pressing matter and thank you in advance for your support and assistance. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Vengroff Williams, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received a first communication from Vengroff Williams regarding a supposed overpayment on short term XXXX related to my prior employer ( via insurance company The XXXX ). Around that time I spoke with a VW representative explaining that the issue regarding employment end date and the " overpayment '' existed somewhere between XXXX and The XXXX. Per VW 's recommendation, I attempted to work with XXXX to address the issue with them - they were ultimately unresponsive. 

On or about XX/XX/XXXX, I contacted VW at XXXX to let them know that the error between XXXX and The XXXX could not be resolved due to unresponsiveness, but that I had written proof of the claim end date and my employment end date lining up and disputed the debt. Per VW 's instructions, I provided said evidence and my written dispute of the claim to XXXX with the claim number in the subject line on XX/XX/2021 at XXXX. 

There has been no response from VW providing any contrary evidence since that dispute and they are now well beyond their window of time to continue to harass me over this claim. Still, today I received a letter dated XX/XX/2021 stating that " Despite repeated requests for payment, the balance remains delinquent and unpaid ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation