BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because TransUnion, XXXX, and XXXX did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX Address : C/O XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXXXXXX XXXX  Credit Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : XXXX XXXX ) XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX ) XXXX XXXX Mortgage Compa Address : XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX XXXX : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : ( XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Credit XXXX : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-05-03
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fake account. This company first called me in early XXXX claiming that I had owed money to XXXX from a debt at an address I haven't lived at since XXXX. They claimed that the debt was from XXXX. 

When I told them what address I am currently at, they then updated this fake collections account with my new address. 

During the call, I explained to them that not only can I prove I had XXXX XXXX XXXX XXXX internet during the time period they claimed, but that XXXX isn't even offered in the area I am in. As soon as they heard that, they suddenly hung up the phone, but I am outright shocked that they were dumb enough to put this fraudulent, fake collections account 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 2021-01-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have multiple accounts paid of or that are well past being closed that I would like cleared off 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 monetary relief
Consumer complaint received 2023-06-29
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:
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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.

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 non-monetary relief
Consumer complaint received 2021-01-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am a member of Santanders class action lawsuit and qualify for loan forgiveness or settlement offer. Santander has not followed through with sending me a detailed copy of current contract as asked after loan account was closed. They do not report positive payments on closed loan but keep it on credit report. They need to offer settlement amount and provide details of current contract, or bring balance to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Closed my account : XX/XX/XXXX Amount : Entire Balance My account was closed without my knowledge. When I realized, i called the walmart credit card and asked them why. They said they weren't sure, complimented how I had never missed a payment, and how it was in good standing. My credit score just went up, and I received a brand new updated card. They told me to wait for a letter to be sent because they weren't sure and had no information when I called ( XX/XX/XXXX ). So I wait and a letter arrives, I get it ( End Of XXXX ), ( name on paper is spelled incorrectly ). And the indications stated under the reasons why they closed my account are not associated with my account. So I called the Synchrony Bank ( XX/XX/XXXX ) and receive just as much info as the walmart credit card associate, he tells me that they make judgments based off a score they receive which decides if the card holder could pay back the balance. He said my score was low, which makes no sense since the lady from the walmart credit card told me my account was in good standing and i never missed a payment. So after that call ended, I called XXXX, no one answered, all automated, and i wasn't able to speak to anyone about it, there was no option that was associated with my complaint. I was making payments, and they are still charging me interest. I have been a cardholder for over a year. I've never missed a payment and always kept it in good standing, and as a reward my credit score dropped 30 points.

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 2022-11-28
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: Old information reappears or never goes away

Complaint:
The following hard inquiries have been made fraudulently, without my permission and I have requested ( evidence of the inquiries ) and disputed them in writing for which there has been no response for more than 60 days now. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Automotive ( XXXX ) XXXX TXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 2022-11-28
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, I contacted Experian via certified mail with return receipt on XX/XX/2022, This letter was recieved by them on XX/XX/2022. Today is currently XX/XX/2022 and I have yet to receive a response in the mail regarding inaccurate information being reported on my consumer report. On several XXXX XXXX accounts Experian is reporting these accounts as 90 days late ; I have explained to them that I was never late and have requested that they update these accounts to paid on time. In addition the payment history on all of the accounts shows a 90 day late, but there was never a 30 or 60 day late reported on any of the accounts. How can I be 90 days late if I was never 30 or 60 days late. This information is inaccurate and needs to be corrected to paid on time for all of the accounts submitted. I have attached an example of the way this is being displayed below and have provided a copy of the letter as well.

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 2022-04-26
Company: CITIBANK, N.A.
State: AZ
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:
Transaction Details Transaction Date : XX/XX/21 Transaction Amount : {$650.00} Merchant/Description : XXXX XXXX XXXX, I XXXX Dispute Details Dispute Date : XX/XX/21 Dispute Amount : {$650.00} Dispute ID : XXXX I have called Citi credit care company numerous times , sent them all the information they have requested. They assured me I would be credited multiple times ( which is recorded on their end ) but they never credited my account. The last conversation I had with them was they would call me back. If I received a call they never left a message.

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 2021-01-04
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: Account information incorrect

Complaint:
I have two complaints against XXXX XXXX XXXX XXXX XXXX. The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at XXXX on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX is not the appropriate organization to deal with these matters. 
My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted XXXX once again, they did not have any answers for me. It seems XXXX do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. 
I have attached the late tax letter I received, and I started my conversations with XXXX on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.

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 2021-01-04
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Phoenix Financial Services by mail and by phone attempting to collect a debt of approximately XXXX on behalf of XXXX  XXXX. I had already paid this debt over a year ago to a different collection agency and has since been removed from my credit report. I contacted banner health and they confirmed that I do not owe anything and advised that that is not a company they contract with for collections. I have no idea how they obtained my information. I woke up this morning XXXX XX/XX/2021 XXXX to three missed calls starting at XXXX. The agent did not attempt to verify me in any way prior to rattling off my name and birthdate, having worked in the financial services sector and on phones most of my career I know this is a direct violation of information security policies of most legitimate business and in some cases a violation of state and federal law. Considering that this was supposedly an attempt to collect a medical debt than that information would fall under HIPPA protection as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 not been notified about either letter I sent, one to remove old and inaccurate names, addresses and phone numbers and the other to investigate inaccurate collections accounts. No disputes open and no action taken. The letters were sent XX/XX/2023.

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 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: DC
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. 

Account name : XXXX : # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX, line of credit 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.

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 2021-01-04
Company: LendKey Technologies, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attempted to make a principal payment to a student loan through LendKey. The web page does not provide an option to direct the payment, so I contacted Lendkey on XX/XX/21 at approx XXXX EST and spoke to XXXX XXXX . He stated that I could not make a principal payment on the account and that all payments needed to be applied to interest. I asked if this was stated in the loan agreement and specifically where. He could not answer, but stated their accounting system would not allow me to make a payment toward principal balance. 
I believe that this is unfair and predatory to force young people paying student loans at high interest rates ( 6.00 % ) despite having the lowest interest rates in history. I also believe it is unfair to prevent a consumer from paying toward the principal balance at anytime and in any amount. 
Lendkey is continuing to debit her account despite the forbearance on student loans. They are continuing to charge interest and now will not allow a consumer to decide how payments are applied. This loan is > $ XXXX and has been current for 2 years. A consumer should be able to direct their payments as they wish. The company is financially incented to prevent the consumer from doing this and therefore is making more money on the interest it charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately

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 2023-04-19
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$23000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: PA
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. 

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 These accounts have 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.

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 response to consumer: Closed with explanation