BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: Receivables Management Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A collection was filed with Berks Credit and Collection in XX/XX/2015. I was not made aware of a collection and there was no attempt on the part of Berks to contact me, although they claim to have sent XXXX letter in XX/XX/2015. This letter was not sent via certified maiI and, per an employee at Berks Credit and Collection, was sent to an address I had not been associated with for almost 3 years. In order to speak with the collection agency, I had to call Equifax for the company information. I first spoke to XXXX XXXX and asked her to remove one of the collections showing on my credit report since, for whatever reason, the same collection had been reported twice. She refused and told me to take it up with the credit agency. XXXX already told me the duplicate is because of an error from Berks and they can not remove it, only the reporting collection agency can. I then asked XXXX to remove the collection from my credit report when I pay and she refused that as well. She would not give a reason as to why they would not remove the collection when it would be satisfied today after I had to reach out to them. The call was ended so I called back and spoke to XXXX XXXX who was equally rude and condescending. XXXX ended the call with me as I tried to question the company practice of reporting paid in full versus removing the debt collection from the credit report. I want to understand this practice before the account is paid in full. Once reported tot the Better Business Bureau, the company responded by stating they will remove the duplicate account from my report since it was an error made on their end that has caused XXXX hits to my credit, but they have not addressed the fact that I was not given proper notice of this collection before it was placed on my credit report. In speaking with XXXX XXXX, Berks Credit and Collection admitted to sending a letter in 2015 to an address that I had not been associated with in almost 3 years. This letter was not sent certified mail and XXXX stated, " We ca n't send everybody with a collection a certified letter for their collection. We send a letter and if it does n't get returned, we assume it was received ''. I explained this is a poor assumption as mail is lost or thrown away all the time and there is no way to account for if someone received the correspondence unless it is signed for. XXXX continued to be rude, condescending and disrespectful on the call and threatened to end the call when I told her that she needed to watch her tone and attitude when speaking to a customer/client. Since proper notice of the collection was not given prior to the collection being placed on my credit report, it should be removed from my report altogether upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2023-03-22
Company: AMERICAN EXPRESS COMPANY
State: KY
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:
AMERICAN EXPRESS XX/XX/XXXX AND XXXX XXXX XXXX and XXXX XXXX XXXX XXXX these accounts not opened by me. I only have 2 cards with XXXX XXXX and 1 credit card with XXXX XXXX. Ive sent many letters to all 3 credit bureaus and also to American Express and XXXXXXXX XXXX XXXX with no resolution. I am still wait to hear back from XXXX XXXX cause ive never had services with them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through cash app and with XXXX. From XX/XX/XXXX through XX/XX/XXXX there was a total of 2,585 in transactions on XXXX. And during that same time frame there was a total of 1,268. 
Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: DISCOVER BANK
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
Denied federal funding and had to use private loans through Discover Student Loans at higher interest rates, unable to choose payment plan for interest repayment. Graduated from XXXX XXXX University XXXX, SC. XXXX also mislead me as to the availability of classes, I would 've not graduated if i did n't take summer courses due to the limited availability and degree requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: I.C. System, 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: Problem with personal statement of dispute

Complaint:
This complaint is related to XXXX prior complaints : XXXX & XXXX. XXXX  claims that I owe them {$110.00} following cancellation of my service. I assert that XXXX charged me for a phone line that I did not request and that I did not use. XXXX  can verify this from their own records however, they refuse to refund all of the overcharges due to their internal policies. In addition, XXXX unilaterally changed the " cancellation '' terms that I had agreed to when I signed a contract with them. Nonetheless, XXXX and/or their collection agencies has reported their alleged debt of {$110.00} XXXX times to credit agencies, each time having a meaningful effect on my credit rating. The dates that they reported the alleged debt are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. Thge amount of this alleged debt doesn't warrant a legal proceeding however XXXX continues to use their ability to disparage my credit rating without apparent consequence. In my opinion, the harassment is quite egregious and unwarranted.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey My Name Is XXXX XXXX and Im just trying to figure out whats the best thing to do. Ive been in XXXX  XXXX for the pass 7 years with no way to access my social security card nor the number. Last year I tried to apply to College and I had to complete the FAFSA application in order to meet the requirements for other loans that XXXX XXXX had to offer. I couldnt even get pass my account to work because Financial aid thought something was going on. I talk to a lady at XXXX XXXX and all they want to do is for you pay. I dont think its fair for me to pay for something I didnt put on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} 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 2023-12-02
Company: EQUIFAX, INC.
State: NC
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:
( MISSING ACCOUNT ) -XXXX  XXXX XXXX XXXX XXXX Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : {$53000.00} Updated Balance : {$48000.00}. ( INACCURATE STATUS ) -XXXX  XXXX XXXX Date opened : XX/XX/XXXX Account # XXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ), i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you update my payment status to PAID AS AGREED NEVER LATE ( XXXX ) immediately

Company response to consumer: In progress
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have two credit cards with Capital One. I called them to update my autopay to a new XXXX  checking account. They changed the Quicksilver but not the XXXX so I received notification that my bill hadnt been paid. 

They make it impossible for me to access my account. I live in XXXX, I have a XXXX phone number so I can not login or view my account because of MFA. I explained this to them and they wouldnt help. You can only access your account through their app. They do not support a website. I have no idea what charges I am paying or fees. I can not view any of it. I tried to change the phone number on my account to a friends so I could go online and pay my bill. They refused to change it because they said my passport wasnt good enough, I needed a state ID or Drivers license. I tried to explain to them that I live in XXXX and a passport is much more powerful as you need more proof to prove you are the person obtaining a passport, but they didnt care. 

It should be illegal to only allow access by app. No other company only allows access by app. Everyone has websites. What do people without smartphones do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
My mortgage loan was denied during underwriting because LexisNexis reported a foreclosure against individuals of an estate instead of the estate. 

The document clearly states that is the estate of the deceased followed by a ; and the list of names of from the estate. I've reached out to the lender with supporting documents ( XXXX XXXX, Years of Property Taxes, Deed, and Mortgage without my name ) on XX/XX/XXXX  but they haven't made a decision as of XX/XX/2023. The closing on the house is in Jeopardy from this error. 

This hasn't shown up on any other credit report. This report didn't take into account that it was an estate foreclosure and seemed to only read the trigger word " foreclosure '' and the list of names on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX  that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane Ida. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. XXXX maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the XXXX online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted XXXX regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the XXXX portal during this entire period was {$0.00}. XXXX relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by XXXX stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, XXXX stated that I had not been delinquent in payments. Upon closing my loan with XXXX, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Gave dealer my info to contact me about a vehicle. They submitted my info without my consent.

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 2023-04-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation