BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe XXXX  XXXX XXXX COLLECTION Amount Of {$120.00} Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. 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

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 2023-02-01
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief agreed by Santander Consumer USA with NY Attorney General for deficiency relief on cars that were violation of Article 9 of U.C.C. The company never to provided a notice before selling the vehicle and no receipt was procured to prove that notice to sell vehicle was given. The secured creditor must take several steps to properly effectuate the sale of its collateral pursuant to Article 9 following a debtors default. Under Section 9-611 of the Uniform Commercial Code, a secured creditor is required, in most circumstances, to send a reasonable authenticated notification of disposition. The notice is intended to provide the debtor, and other interested parties, an opportunity to monitor the disposition of the collateral, purchase the collateral and/or demand any surplus proceeds recovered from the sale. 
Accordingly, a secured creditor must send notice that is reasonable as to manner, content and time. Since the notice must be authenticated, a secured creditor may not give verbal notice to the debtor. A secured creditors notice must be made either electronically or in writing. A creditor that fails to provide this reasonable notice can potentially be held liable for any loss created by its failure to give notice properly of the location and sale date of the vehicle. The sale was not given before the car was auctioned making the sale COMMERCIALLY UNREASONABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX  for forgery and false pretenses.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2023-07-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony closed my account without any warning. Account was up to date, was never late always paid early. Closing my account is negatively affecting my credit score when all I have been is a positive customer.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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.

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 XXXX 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 2023-04-03
Company: Checkr, Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been registered as a delivery driver on XXXX since XXXXNow XXXX is doing an annual background check on me through checkr. 
Background check company checkr says it can't complete my SSN trace, that kept my background check from being completed. 
I contacted support via the checkr website and they replied that I needed to contact XXXX and wouldn't tell me exactly why my SSN trace couldn't be completed, He also said that he would not accept my direct submission of relevant information, Just a simple reply to me to communicate with XXXX. 
I contacted the support staff through the XXXX app and got the answer is : After providing you with an opportunity to correct your SSN information in the Checkr Candidate portal, Checkr remains unable to process your background check due to problems with the SSN you have supplied in your XXXX account.Because we can not obtain a complete background check, we are unable to partner with you.So my XXXX account has been inaccessible since XXXX XXXX contacted checkr and XXXX many times about this and got the same answer every time. 
I personally went to the Social Security administration to verify my SSN twice and they told me in no uncertain terms that there was nothing wrong with my SSN, So I don't know why checkr can't complete my SSN trace.No one told me why. 
I haven't been able to work for nearly a month now.I need to solve the problem as soon as possible, which has brought trouble to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I contacted coinbase about fraud committed on my account in order for possible recoupment. 

Coinbase will have a history of my transactions and the wallet addresses. 

Coinbase opened a ticket ( ticket # XXXX ). The online agent gave me information from a script after giving me transaction numbers, but did not offer solutions for recoupment from a fraudulent claim. I also submitted a online complaint with Coinbase. 

All monies were sent from XXXX address : XXXX Sent To addrsses : XXXX. XXXX XXXX. XXXX There are different time frames where crypto fraud took place ( network XXXX. 
XXXX. XX/XX/2023. {$19000.00} XXXX. XX/XX/2023. {$13000.00} XXXX. XX/XX/2023. {$2100.00} XXXX. XX/XX/2023. {$17000.00} Below are the confirmation transactions : XXXX. 
XXXX. 
XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX I opened a Capital One Credit Card when I received the 0 % interest offer in the mail for transfer balances and purchases. The 0 % was good into the later part of XXXX. ( I want to say XX/XX/XXXX ). After opening the card online, I called and verified the credit card offer of 0 %. The customer service representative stated I was correct with the details of my offer, the 0 % on transfer balances, and I had to wait 10 days to transfer the balance after my card was opened. I waited the 10 days and then transferred a balance of XXXX. When I received my first bill due XX/XX/XXXX I called Capital One asking why there was interest reflected on my statement as this was supposed to be 0 %. The customer service representative took the time to confirm my account was 0 % and that the interest reflected on the statement was for the transfer balance FEE. I said ok and asked him what my next statement min payment was going to be if I paid the min balance due which was XXXX. He spent several mins calculating the min payment and even put me on hold to calculate the payment. He said it would be XXXX. Today when I got my statement there was an interest charge of XXXX. I called Capital One and they then stated that my card was not interest only on balance transfers only purchases. I was misled by TWO capital one representatives when I called to verify the details on my offer. Today I requested that they close the account and take off my interest charges for the month since I was misled by not one but TWO representatives. Capital one even confirmed they saw the two phone calls logged on my account but refused to waive my interest for the month. I have no problem paying the transfer fee of the 3 % that I was told I would need to pay. However, I find it misleading and unacceptable when I as the consumer educated myself on the product they were offering me,,, twice! I am looking for the CFPB 's help to ask capital one to remove all interest charges on the account since it was opened. I will pay the 3 % offset of the fee for balance transfer. However, because of the amount of interest they have charged me, I now owe more than I originally transferred on the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
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:
I have been a victim of identity theft. I had a Charged off XXXX XXXX account listed on my Equifax credit report that doesn't belong to me. I called XXXX XXXX  and they couldn't find an account listed in my name or social security number. I need this removed immediately because this is hurting my chances in getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XXXX/XXXX/2023, An unknown credit card account from XXXX XXXX appeared on my credit report. I have a dispute open with them, but I have disputed this fraudulent account twice with XXXX. Most recently on XX/XX/2023. Somebody used my SSN and I have sent documents proving the address used to sign up for the credit card was not mine. I have sent XXXX a copy of my ftc report, proof of residence at the time the account was made, and screenshots of the fraudulent address, phone, and the thiefs name on the mailing address XXXX XXXX mailed the card to! XXXX is not investigating this properly. Please help me. I'm a victim of Identity Theft. The balance is {$410.00}

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 2023-10-24
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:
Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because you are reporting me being 60 days late on XX/XX/XXXX but XXXX is reporting I paid on time. 
XXXX XXXX Account Number : XXXX Please submit onto ACDV Form and please remove late payments under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. XXXX XXXX XXXX payments of obligations and interest on the public debt

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 2023-01-18
Company: Experian Information Solutions Inc.
State: KS
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Inquiry : XXXX XXXX, XXXX PROMAX/CAROUSEL XXXX XXXX XXXX : XXXX XXXX, XXXX COMMUNITY XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX MEMBERS ' AUTO SOLUTION Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX FIRST FEDERAL CREDIT UNI Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX. XXXX, XXXX XXXX USED XXXX XXXX Inquiry : XXXX. XXXX, XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX. XXXX, XXXX CAPITAL XXXX 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-02-17
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: Was not notified of investigation status or results

Complaint:
Sent in a dispute and received a letter that is pretty much mocking me. I will attach the letter I received and the original dispute I sent to them in XX/XX/2023. The company is 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 2023-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
checking my credit profile ive noticed alot of incorrect data that is hindering my file with Equifax. I am interested in disputing all invalid information to correct my file. please update the information submitted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 formally requesting that you undertake a thorough investigation and take necessary measures to remove them from 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 non-monetary relief