BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-22
Company: Experian Information Solutions 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 XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26
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:
In accordance with " The Fair Credit Reporting Act XXXX  '', the accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX 2x inquiries ) XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX  - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 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 an 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 explanation
Consumer complaint received 2019-01-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I took out an auto loan with Credit Acceptance Corp. Sadly I had to voluntarily surrender this vehicle because the condition of the vehicle and the necessary repairs far outweighed the value and monies owed on the vehicle. In XX/XX/XXXX the same subprime lender approved me for the purchase of a far superior vehicle. I submitted to the dealership the application as well as any and all requested documentation. All was going well until my sons college requested a tax account summary from the IRS from me. I needed to get this online immediately. In order to do this you needed a car loan or mortgage. I called Credit Acceptance for my account number and was told I didnt have an account for the newest car I had been making payments on. I finally found someone with a brain and she looked up my account by the VIN number. Turns out the second account was opened up with the wrong social security number. So I have the negative account being reported that i owe money after a voluntary surrender but the new loan with over a year of perfect payment does not show up. If you look up the credit reports under the fictitious social security number you will find a rather nice credit score and the positive account listed. I've contacted them constantly. They want me to just blindly fax my social security card to a generic number going to no ones attention. This scares me. They even deny reporting the second account to the credit bureaus under the wrong number. I filed a complaint with the XXXX and received a response from the supposed legal department but the number she gives me to call her is a number where you can not speak to anyone

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank 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 2023-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing because my mortgage problems began when Covid started. I worked for the same company for 20 years and as other companies experienced work slow drop down dramatically or completely stopped. Ours didnt stop but it did slow down dramatically. I took advantage of the forbearance that my mortgage company Select Portfolio Servicing was offering to not have to make payments because of hours cut or loss loss of wages, In XX/XX/2020 I was involved in an auto accident with a company vehicle that someone got injured and died. This was an unintentional accident. I lost my job of 20 years and I contacted select portfolio telling them I had needed to continue the forbearance. It was continued until the forbearance ran out. I have been unable to obtain work because of this accident due to several court appearances meeting with my lawyers, etc. I contacted select portfolio servicing and they have not been of any help at all. In the last three months. Ive talked to eight different relationship managers -- -the relationship manager that was assigned to my account has never contacted me. Ive left numerous messages-Ive sent emails Ive sent along with documentation that has both my number and my mothers telephone number.. Finally I talked to a gentleman named XXXX, one of the eight relationship managers. He told me that the relationship manager had documented that she tried calling several times when asked what number she was calling XXXX gave a number that I have not had since the accident happened- if my relationship manager was reading my documentation and listening to my messages she wouldve found that I had a new number and I also authorized my mother to be called about anything, to be given any information, but nothing was ever done now my house is in foreclosure, It was supposed to go on the sheriffs block on the XX/XX/XXXX. I got it moved to XXXX and now because XXXX having other agencies involved now - XXXX and XXXX XXXX XXXX XXXX XXXX I got select portfolio to move to XX/XX/XXXX but theres still no definition of what theyre going to offer as a payment structure. I am being incarcerated in XXXX because of this accident and I want my children to have a home to continue living in, and I have given my mother all the authorization that is needed. in talking with one of the relationship managers, Ive been told they have had a large turnover and a lot of the relationship. Managers are not fully knowledgeable of what to do it issad that some of them dont even try to help they just say Im transferring you Its really sad for such a big business such as select portfolio servicing to have unqualified people especially when its regarding somebodys home being taken away from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Back in XX/XX/2023 I've sent out a follow up dispute dispute to Transunion regarding an account that's reporting inaccurately on my consumer report. Transunion responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all XXXX major reporting agencies which all have different information reporting which violates XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose. The payment history that Transunion is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Transunion to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Transunion the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed. 



Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 2022-05-05
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2018 I went to XXXX XXXX, XXXX, IL to purchase a new vehicle. 
I brought my own XXXX XXXX XXXX XXXX Approval with me to the dealership and told them this is what I wanted to use. 

XXXX XXXX ran Hard Inquiries through all the companies below, which brought my credit score down over 100 points, and remains on my credit report, without notifying me. 

Upon contacting XXXX XXXX Finance department they stated that there was no way that the hard inquiries would stay on my credit report and to just " NOT WORRY ''. 

This dealership has destroyed the credit that I had rebuilt to be able to purchase a new vehicle. I was also planning on purchasing a new home within 6 months of this " ordeal '' and was told by a Mortgage Lender that the hard inquiries had diminished my credit score to a level where I could no longer purchase a home. Just 30 days prior to XX/XX/2018 I was approved for a Mortgage up to {$170000.00}. 


XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX  XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX  Inquiry from XX/XX/2018 Bank Fin Inst Len Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX I Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX  Inquiry from XX/XX/2018 Credit Union XXXX  Inquiry from XX/XX/2018 Finance XXXX Auto Dealer Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks

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 2022-08-12
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX

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 2023-07-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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