BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated my account was properly investigated but how is that possible if each credit bureau is reporting the following inaccurate information from this one account : * Date of Last Activity * Date Opened * Dispute Status * Account Status This is grounds for removal. 

Also, they violated my rights under : *15 U.S.C 1681 section 602A, which states I have the right to privacy XXXX15 U.S.C 1681 section 604A section 2, which states a consumer reporting agency can not furnish an account without my written instructions. 

My certified tracking for each bureau is as followed : XXXX - tracking # XXXX TransUnion - tracking # XXXX Also, I sent a letter off to each credit bureau on XXXX XXXX to update my personal information on my credit report. My right to privacy to have old information taken off was my main agenda, as I only wanted XXXX address on my credit profile. All followed, except XXXX. On XXXX XXXX, XXXX emailed me that my report was updated under report # XXXX. Unfortunately, multiple addresses are still being reported, even though I provided proof of my current address as instructed to do on their website. While they did remove 1 old address ( XXXX XXXX XXXX ), they only removed the apartment number from a different address only ( XXXX XXXX XXXX ), which is not what I asked for. All my current accounts, have my current address. 

These are all CLEAR violations of my federally protected consumer rights

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX XXXX XXXX {$6600.00} ; 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
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TRANSUNION CONSUMER DISPUTE XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX PERSONAL INFORMATION AFFIDAVIT To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 10 ) years. 

My correct name is XXXX XXXX XXXX, please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX OH XXXX and I have resided here for 10 years, remove all other addresses that I have never lived at or may belong to a relative, they are not accurate, remove them IMMEDIATELY ... XXXX XXXX XXXX XXXX OH, XXXX My current telephone number is XXXX, please remove all other numbers IMMEDIATELY, they are not accurate. ( 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 2023-07-02
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:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Unfortunately, XXXX has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I have identified several instances of inaccurate information that require correction. The details of the inaccurate information and the required corrections are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX. Account Name : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$60.00}

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 2021-02-04
Company: Total Card, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX threatened to sue me. Serve me with a lawsuit if I did pay. Previously would not tell me who I owed money to or what transaction were made to cause me to owe money. They have called multiple times daily since XX/XX/XXXX. Including after XXXX. They have call my job after me asking them not 2. They also have not provided me with information on how to dispute this debt. I have voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 hasIn violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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 2022-11-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.

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 2022-07-06
Company: NAVY FEDERAL CREDIT UNION
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: Was not notified of investigation status or results

Complaint:
These were paid accounts and were included in bankruptcy. I never received any response in spite of the many complaints I sent to them. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/201XXXX 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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Subject : Urgent Request for Credit Investigation and Resolution Dear Capital One Customer Service, I am writing to express my extreme dissatisfaction with the handling of my recent fraud case and to request an immediate review and resolution of the matter. I believe there has been a significant oversight in the investigation, and I implore you to thoroughly reevaluate the evidence and rectify the situation promptly. 

On [ date ], I reported several fraudulent charges on my Capital One credit card. I expected a comprehensive investigation that would uncover the truth and provide me with a fair resolution. However, I was shocked and deeply disappointed when, after just two days, my application was denied, and I was accused of being involved in the fraudulent transactions. 

I want to emphasize that I am not involved in any fraudulent activity and have always been a responsible and loyal customer. The speed at which this decision was made without proper examination of the evidence is deeply troubling. It appears that my case was not given the attention it deserved, leaving me feeling unsupported and wrongly accused. 

I kindly request that you reopen the investigation into my account and credit history to correct this grave error. I urge you to carefully review the evidence, considering all pertinent information and any additional evidence I may provide. I believe this thorough examination will reveal the truth and exonerate me from any involvement in the fraudulent charges. 

Furthermore, I request a transparent and empathetic approach to addressing my concerns. I expect clear and open communication throughout this process, keeping me informed of any progress or updates. It is crucial that Capital One takes my case seriously and demonstrates a genuine commitment to customer satisfaction. 

I have been a loyal customer of Capital One for [ duration ] and have always appreciated your reputation for excellent customer service. However, this recent experience has shaken my trust and confidence in your services. I sincerely hope that you will take this matter seriously and work diligently to restore my faith in your institution. 

I trust that you will thoroughly investigate this issue and provide a fair and satisfactory resolution. I eagerly await your prompt response and a clear plan of action to address my concerns. Failure to do so will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : 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 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 In addition, I would like to draw your attention to 15 USC 1681c-2, which states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number for this matter ( 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 2023-03-03
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
According to 15 U.S Code 1666b- Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose. Also it states under this law that I must be notified no later than 21 days before which I havent been or should I say I have never been. According to the FDCPA IM INTITLITED TO {$1000.00} PER VIOLATION! 

this company has been violations many laws and I would like this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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: LAKEVIEW LOAN SERVICING, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX/early XXXX of this year ( 2023 ) my husband and I made a request to have PMI removed from our mortgage. It was followed with a denied request in the mail and we followed up with Lakeview XXXX to askabout our options for a BPO or appraisal. We have asked if we could have a third party complete either of these on our own since we have been yelled at and treated poorly by employees of the Lakeview XXXX and no longer trusted the company to hire a nonbiased party that would only offer fact over the company 's best interest. The company has stated that policy within Lakeview XXXX states that we must have either the BPO or appraisal completed through their company and paid to them for the third party service. We made a formal request for the written policy and date of initial policy being enforced. On XX/XX/2023 the representative started the formal request to have the written and enforcement dated policy sent through the mail to our listed address. We have yet to receive proof of said policy nor have we been treated as valued customers through the employees of the company.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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 explanation