BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the fair credit reporting act : account # XXXX has violated my rights as a consumer. 
15 u.s.c 1681 section 602a. States I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

XXXXXXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX  Account number # 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 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 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 2022-07-21
Company: EQUIFAX, 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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2021-08-13
Company: CITIBANK, N.A.
State: OH
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:
I noticed XXXX charges on my card that were not mine. I immediately called Citi and after a few transfers I spoke with a very nice gentlemen and we went back through all XXXX charges for a few months while I looked in my XXXX app and figured out which ones were mine and which were fraudulent. I only had a couple that were mine this year. They cancelled my card and sent me a new one. A few weeks later I noticed more XXXX charges. I called again and spoke to some who said she would dispute them and did not need to issue a new card because the charges were still coming in on the old number but I would not see any new ones. A few days later and four more XXXX charges I called again and asked to speak to the fraud department directly. I was transferred multiple times. Then an incredibly rude woman asked me some question about my phone and personal things then said she was done. She then said this information would be passed to Citi. WHAT?? That set me off. I said you just asked me all of those personal questions and you don't work for Citi? After almost an hour on the phone she hung up on me. I can't believe I gave all that info and she was a third party. Citi should absolutely disclose that. Here we are the next day and two more XXXX charges are charged to my account. There are now 19 charges and counting totally over {$1200.00} and noone from Citi will do anything about it. She didn't even offer a new card she just simply hung up on me. Citi Bank has the WORST customer service and can't seem to even rectify a simple situation. Hanging up on me after 53 minutes of waiting on hold. UNREAL.

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 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my XXXXhree credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-08-13
Company: WAKEFIELD & ASSOCIATES, 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 would like all the incorrect information to be removed from report. I have been disputing and I keep getting the same answer, nothing is being done about this and its effecting my everyday life. Please give me a chance, this is the first time Ive ever had this problem and the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2021

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 2021-07-22
Company: CMRE Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX filed a collection and didn't bother to contact me about it still showing due in their records. Hospital service was rendered on XXXX to XXXX XXXX Itemization attached ). I had specifically told them when I was there that I was travelling, so always contact me by phone or email if there are any questions or problems. On XXXX I received and paid the invoice from their billing service XXXX XXXX XXXX XXXX XXXX ) ( Copies attached XXXX. So I archived everything, thinking it was all taken care of. 
On XXXX XXXX notified me that a collection filing was reported to the credit bureaus, so I called the hospital and asked what the XXXX was going on. Upon investigation, we found out that the amount I paid for them was applied to ANOTHER bill within the same hospital group. I complained vigorously to XXXX XXXX that they never bothered to call me, email me, or invoice me themselves and they had the information to do that. They said they dont normally do that. WHAT? REALLY? Instead, they did nothing except give it to a collection agent after a number of months. Typical medical billing incompetency. However, I paid them again on XXXX the balance that they still showed due ( Copy Attached ) and then tracked down and cleared up the miss-payment to the wrong account later. 
At that time, I told them that the lag time and the miss-payment was THEIR FAULT, NOT MINE, and they better reverse their collection filing, or I would hold them liable for damage to my credit. They said they would, but now obviously they did not. 
My credit scores have historically been in the 800s, but just this last week or two, I discovered the score has been dropped into the 600s and was denied a rental application and a HELOC line of credit on my home as a result. 
I expected them to reverse their collection filing and explain that is was in error, but it appears they will not take responsibility for their billing service mistakes or their in-action. 
THIS IS NOT FAIR CREDIT REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up. 

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at XXXX % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the XXXX account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off student loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.

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 2021-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The transaction happened on XX/XX/XXXX. It was a {$2000.00} transaction. I never authorized this transaction. I contacted Bank of America about it but they denied my claim.

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 2020-06-11
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My loan was extended out one month which showed online on my account for XXXX and I had to pay XXXX. I got a new car so they paid the entire balance before XXXX was over to take care of my extended month payment and my XXXX payment and all the rest of payments. 
It was paid before the XXXX of XXXX so It shouldnt have even hit my credit at all. After they marked I was behind two months they then put paid in full on good standings so my score dropped for two late payments. I have proof the check was sent to them from the dealership on XX/XX/XXXX but the car was bought on the XXXX! They refuse to even look at the payment of the check and marked me two months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 credit bureaus are reporting inaccurate information XXXX, XXXX and Transunion

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXXXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$860.00}

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 explanation