BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020, I sent in a complaint, now closed, # XXXX. I complained that after sending an FTC identity theft claim with accompanying documentation to TransUnion, I had not seen any sign that they were taking the appropriate measures as required under FCRA 605 ( b ). They responded to the complaint with their usual rhetoric about performing an investigation, etc. and let me know in 30 days. This timeline violates the timing requirement of the FCRA. In any case, just yesterday, XX/XX/2020, I received a letter from TransUnion dated XX/XX/2020, outright dismissing my FTC fraud complaint, without doing any investigation, and determining for themselves that I had committed fraud by filing said report and they would not do a thing to look into the allegations! As far as I know, they have NEVER done an investigation into an account that I have disputed, and they are the only one of the three credit agencies to not put a block on the accounts listed AS IS THEIR OBLIGATION under the FCRA. I did not see any portion of the FCRA that states that companies may use their own discretion after receiving a fraud complaint. I have attached a copy of the said letter here, and I have also forwarded one to my attorney. I'm completely shocked and outraged that TransUnion believes they have the right to do whatever they want with my credit score.

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 2023-10-30
Company: EQUIFAX, INC.
State: FL
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed XXXX {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2022-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was informed by a family member that HRRG contacted them about a medical debt incurred by my son. According to them, they called for over a month and would leave messages. I did not live there and had not for over 2 years. The phone they called was not my phone number and had not been my phone for over 2 years. The date of service was for XX/XX/21, so 8 months ago. The company HRRG - Health Revenue Recovery Group, LLC contacted another person, not a relative, and divulged what it was for ( XXXX XXXX XXXX ), and said that they were going to sue them. The person they called went ahead and paid it, and then told me they had waited for a receipt in the mail to give to me. They told me that the person they spoke with at HRRG was a woman and he said I no longer lived there and asked if they contacted me at my home address. The collection agent then threatened to sue him and then divulged that it was for my son, for emergency room visit, the date, the hospital and other identifying information. 

I believe this is WRONG. At no time was any attempt made to contact me, to call me or by writing. I feel my personal privacy rights were violated. My information was properly given and the time of service. The Hospital had all of this and chose not to update their records and then turn it over to collections, despite the fact every other bill had been paid. Secondly, this emergency room visit was due to the fact my son was injured, at school and on school property during school hours. The entirety of his bill was guaranteed to be paid through the state insurance system. There was no reason for this to happen.

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 2020-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen to me

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 2019-02-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On or about XX/XX/2019 I was contacted on my home phone by someone claiming to be from Nissan, an auto lease that I had while on XXXX XXXX. This car was repossessed and given to creditor willingly. Payments we not made due to severe automotive accident with XXXX. Personally was not aware of my responsibilities. I explained this to the company at that time. On the above date I was called by the company being told if I dont pay them the total amount due in a lump sum they will sue me. I am a non working XXXX veteran. This was explained to the creditor they told me the didnt care I had to pay them in full that day or they would sue me. They also stated the would take my income until the debt was paid. Upon hanging up on the called I called the credit back. They claimed that they could do what they want to get their money. So what if you are a XXXX veteran. 
The tactics of this debt collection is extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: SoFi Mortgage, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I refinanced my home through Sofi Mortgage LLC on XX/XX/XXXX. 

I never received a welcome packet in the mail from XXXX or an information via email letting me know that they were handling my loan. 

Not receiving a welcome packet or email I was under the impression that I would still need to mail my first mortgage payment to the address listed on the First Payment Letter that i received in my refinancing packet during closing from Sofi.

I sent my payment of {$1200.00} to Sofi Mortgage LLC on XX/XX/XXXX. 
It was delivered and signed for on XX/XX/XXXX, I sent the check and paid for it to be certified delivered via USPS, meaning someone would have to sign for it. 

On XX/XX/XXXX the check was then cleared. 
According to my bank the check was never endorsed, just had a stamp on it that said RECEIVED. I have a copy of the check and confirmed that the check was not endorsed, and just had the received stamp. 

a few days later I received a letter from XXXX asking for my XX/XX/XXXX payment. 
Sofi Mortgage LLC sold my loan to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX with giving my an heads up. I was caught off guard because I had sent my payment in and already knew that it was delivered, signed for, and cleared. I called XXXX to confirm that my payment had been forwarded but they had no knowledge of any payment being sent from Sofi Mortgage LLC nor could they see anything pending. 

I reached out to Sofi Mortgage, and they have no trace of my new mortgage, since it was sold to XXXX the loan number they gave me was a temporary loan number and no longer in their records. ( However, I am still getting mail to this day that is asking me to buy insurance for my new mortgage with Sofi Mortgage LLC ) I spent countless hours on the phone with Sofi Mortgage. I even called the company that handles their payments, XXXX, and they were never able to help me. 
I was given many different phone numbers to try and find someone who could help me, but after two weeks of constantly fighting to find my missing check no one was ever able to track it ot resolve my issue. 
I even contacted the person who I was working with from Sofi Mortgage LLC and he no longer works for Sofi Mortgage LLC, he  passed me along to someone else who wasnt ever able to help me. 

I filed a dispute with my bank in early XXXX but still to this day, XX/XX/XXXX, have no idea where my mortgage payment is. 

I also have no idea why Sofi Mortgage LLC would tell me to mail them a check, and then tell me they dont have my loan number or any account information anymore but then cash a check that has the loan number on it that is no longer in their system.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
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:
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 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken XXXX Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 1666b Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy

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 2022-08-12
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-09-27
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2020-08-03
Company: BARCLAYS BANK DELAWARE
State: TN
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:
On XX/XX/XXXX made a XXXX payment to Frontier/Barclay Credit Card Account it was posted by Frontier on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that my XXXX payment was posted incorrectly to my account and transferred from my account to someone else 's. I have proof of payment from my bank of all payment for XXXX, XXXX and XXXX. They refuse to return that payment after four phone conversations. I want to file a complaint against them after reviewing the account they said it would take two months to look into the matter. That is ridiculous. They should return my money then if they want to look into it they can and write a letter showing proof that the XX/XX/XXXX payment was not mine, because I have proof it is mine. Frontier Account number ending in XXXX. Frontier Ref Case #  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 monetary relief
Consumer complaint received 2021-05-12
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: Credit inquiries on your report that you don't recognize

Complaint:
1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 
I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about. 
I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.

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 2022-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account status is wrong and this account is NOT IN REPOSSESSION. This account was settled in full for a CASH payment of {$5000.00} ( not collateral ) in XXXX of 2021 Also, the creditor is in breach of contract for mis-applying payments and is deliberately ill-reporting the account out of spite for being caught in their dishonest business practices. Either this account shows as a PAID loan ( as it honestly is ) or this will be going in to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 and XX/XX/22, Capital One called me to verify a credit card application, which I did NOT make. They were helpful each time to tell me the steps to take to further protect my identity. On XX/XX/22, I called Capital One to report emails I'd received notifying me that account information had been change ( email address and phone number ), changes that I did NOT make. Capital One has been helpful and informative in leading me to next steps, sending me here to make this complaint. They also suggested that I contact credit bureaus to put an alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this is the follow-up request for the following fraudulent items to be removed from the Credit report. My complaints are always ignored. Please delete these ASAP. 

EXPERIAN : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX XXXX : Bankruptcy XXXX XXXX Bankruptcy Case Number : 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation