BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-31
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX credit card does not belong to me. I did not apply for this line of 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 non-monetary relief
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Bank of America apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained onXX/XX/XXXX Credit reporting Agencies : XXXX and XXXX Date Credit reports Ran XX/XX/XXXX ( XXXX ) and XX/XX/18 Called Bank of America, no information given other than the account not belonging to me. 
The {$15000.00} from Bank of America does not belong to me ( new and just starting to build credit ). Bof A thru inaccurate reporting to XXXX and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.

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 2023-08-10
Company: CBC Companies, Inc.
State: MI
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:
Incorrect accounts continue to appear on my consumer report. 

XXXX. XXXX XXXX XXXX ACCT # ENDING XXXX listed as disharged through XXXX XXXX XXXX This is inaccurate due to the fact that I dont have a XXXX XXXX  on my consumer report. 

XXXX. XXXX XXXX XXXXXXXX ACCT # ending XXXX disharged through XXXX XXXX XXXX This is inaccurate due to the fact that I dont have a XXXX XXXX on my consumer report. 

Please provide me with proof of your investigation that you have verified these accounts accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX   report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela holds my loan and I have been on the public service loan forgiveness for years and it has been so much confusion since Mohela company has taken over my account. I been with my job since XX/XX/XXXX and your company sees that and say that its have been approved from them until XXXX of XXXX. But the number of eligible payments have increased as they should they went from XXXX to XXXX and then to XXXX. However my qualifying payments are going down. Which your employee XXXX # XXXX say it shouldnt do. They went from XXXX qualifying payments on XX/XX/XXXX to XXXX qualifying payments on XXXX XXXX and now as of XX/XX/XXXX I am back at 30 qualifying payments again. And when I call about the issue they have me to resubmit the application to fixed the payment issue but it has never been fixed and the count still changes. Then once receiving the new application that was requested they saying its not approved again which the article of operations is on file already and I still send them in and many works say they can see it. The new application is explained to me that it fixed the gap that they see which makes no sense because it see all the same information because i ask.. XXXX # XXXX also said that my payment tracker has not been updated they have had my case for almost a year now. I have sent multiple application the one on XXXX XXXX state duplicate, XX/XX/XXXX state processing and XXXX XXXX also state processing. The supervisor XXXX # XXXX said that she all of the application and that my job has been approved so I should at least have payments from XX/XX/XXXX until at least XX/XX/XXXX. She see over XXXX payments that needs to be added. I am just trying to get an understanding of what is actually going on because it has been very confusing since Mohela took over the loan. I have reached out to federal student loan as well to get help to see if someone can actually explain what is happening with my account. None of my applications has even been finished processing after the XXXX said it only take 60 days honestly. All of the applications I sent in this year should have cover from XX/XX/XXXX until present. Thanks for your time in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore Transunion should also have that. Now I am filing this complaint so that I can get a faster solution to this problem

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 2023-05-31
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX  XXXX  that should be counted once, Therefore XXXX of the XXXX of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. 

_ TransUnion DENIED me the right to dispute a Hard inquiry by XXXX XXXX from XXXX services ( Please see above )

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 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had made a dispute against Capital One due to the fact that they reported a derogatory account on my credit for an account # XXXX with XXXX. The account has since been deleted and I will provide proof of this as attachment with my complaint. I then had issues with a payment via an account that Capital One sent me letters stating that the account was an invalid account, yet my payment posted from this account. Then on XX/XX/2022 my account was restricted by Capital One and I still have yet to receive an answer as to why this occurred, however the restriction was lifted with the representative on the phone that day. Fast forwarding to today, I went to use my card to pay for an item and it was declined. This prompted me to check my account via the Capital One app to figure out why this was happening. I found an error stating, " You don't have any accounts available to service online at this time. '' So I called Capital One to find out what was going on and was notified that they had closed my account ( XXXX XXXX XXXX XXXX ), which has been opened for over a year, due to reports from the credit bureaus saying I had opened my accounts fraudulently. I immediately knew this was a lie because the credit bureaus report information supplied to them by creditors ( Capital One ), so I can only surmise that this was a retaliatory tactic used by Capital One, which can harm my credit profile. The representative I spoke with at Capital One attests that this may have been a mistake on their part, but the issue still stands that my credit can be severely affected due to their mistake and by not fault of my own. I supplied my full card number due to the fact that the account has already since been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: Amsher Collection Services, Inc.
State: MN
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:
According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. My nonpublic personal information is written all over a public report. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. The fact that XXXX is ignoring me saying I have a right to privacy that they do not have a right to ignore that and they they continue to violate my rights. XXXX need my consent to furnish information on a consumer report with a likeness to my name any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. I do not consent to my personal nonpublic information being shared on a public consumer report that anyone with XXXX can obtain. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. They are not removing items while they investigate. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of any and all debt collectors reporting to my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX reported balance {$400.00} : XX/XX/XXXX {$400.00} : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX inquiry : 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 2023-05-02
Company: EQUIFAX, INC.
State: IL
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 was never late in these accounts so I'm confuse on why this is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX  since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Reported BALANCE {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported BALANCE {$140.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED BALANCE {$630.00} : XXXX XXXXXXXX XXXX XXXX XXXX  REPORTED BALANCE {$170.00} : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX BANK ( BANK ) INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/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

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 dispute the validity and accuracy of a collection account reported by XXXX XXXX XXXX on my credit report. I have noticed that this collection account is associated with my name, but I have valid reasons to believe that it is inaccurate and does not correspond to any debts or obligations that I am responsible for. Upon reviewing my credit report, I found the presence of this collection account, despite having no knowledge or records of any outstanding debt owed to the creditor listed. This discrepancy is deeply concerning as it could have negative implications for my financial well-being and creditworthiness. I am formally requesting that XXXX XXXX XXXX conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of documentation and evidence substantiating the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other pertinent information. It is my expectation that this matter will be approached diligently and impartially.

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 2022-05-26
Company: Experian Information Solutions 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 XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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