BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just saw the response from Transunion regarding a previous account dispute. XXXX removed the information as they received the documents pertaining to fraud. XXXX XXXX IS A FRAUD ACCOUNT AND IS NOT MINE. THAT BALANCE OF {$11000.00} BELONGS TO SOMEONE ELSE, I WOULD HAVE PROVIDED FEEDBACK MUCH SOONER IF I SAW THE RESPONSE SOONER. XXXX XXXX WITH THE ACCOUNT THAT HAS A CHARGE OFF OF {$11000.00} NEEDS TO BE REMOVED. NOT ONLY DO THE POLICE REPORTS SHOW IT IS FRAUD THE AFFIDAVIT SHOWS FRAUD EVERY DOCUMENT I HAD TO SIGN AND SEND IN SHOWS FRAUD. MY IDENTITY REFLECTS OTHER INDIVIDUALS THAT ARE POPPING UP ON THE DARK WEB. THOSE NAMES OF THE INDIVIDUALS HAVE BEEN PROVIDED AS THE POSSIBLE SUSPECTS. I AM THE VICTIM. REMOVE THE XXXX XXXX ACCOUNT FROM MY REPORT OR MY NEXT ACTION IS TO UTULIZE MY MEMBER BENEFITS THAT I PAY FOR LEGAL ACTION AGAINST TRANSUNION. I SPOKE TO THE COMPANY MYSELF AND YOU KNOW WHAT THEY ARE BASING THE VERIFIED INFORMATION OFF OF? THAT A LETTER WAS MAILED TO MY HOME. THAT IS NOT SUFFICENT EFFIDENCE TO SAY ITS VERIFIED. PLEASE REMOVE THE XXXX  XXXX ACCOUNT FROM MY REPORT AS FRAUD RELATED. IF YOU NEED ANY FURTHER DOCUMENTS I WILL BE MORE THEN HAPPY TO PROVIDE THEM. 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 2023-07-29
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company did not answer my question as to how is this account is mine. I asked where did they get my information and why did they put it on my credit report. I stated I have never heard of them and that I don't know anything about the debt they told me I had to pay it and them they hung up on me. the company is AFNI a debt collector. that refuse to give me answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that the XXXXXXXX XXXX account was properly investigated and verified on several occasions ; but how is this possible if the Date Opened, High Credit, Credit Limit, Payment Status, Last Reported Date ( XXXX XXXX, XXXX ), Date Last Active, Date of Last Payment, Two-year Payment History and Comments not showing that I disputed this account are not accurate on all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.

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 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union is reporting an inaccurate listing of Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.

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 2022-02-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Synchrony Bank has continued to harass me though my consumer reports and letters, they disturb my peace, disturbed my health, continues to threaten my reputation, and has continued to report without my consent these damaging allegations to the major consumer reporting bureaus, a responsibility they assumed and was never given to them. 
I have sent a debt validation letter by certified mail which they have never returned filled out. They have also discriminated against me for exercising my rights, pursuant to XXXX XXXX XXXXXXXX XXXX ( XXXX ), Synchrony Bank closed my care credit account, which was in perfect standing and had a credit line of {$500.00}, and also without my consent have closed my XXXX XXXX credit account which had a limit of {$4000.00} also after requesting and sending a proper debt validation request, which they never replied to. They after acknowledging receipt of my cease and desist have continued to cause harm to my reputation.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: MO
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:
I sent an identity theft affidavit to your consumer reporting agency. Their are several accounts and unauthorized inquiries found on my consumer report that are identity theft related. You sent me a letter stating the identity theft affidavit was sent in error. It was NOT. I sent the identity theft affidavit. You are required by FEDERAL LAW to block the accounts from my consumer report. You are in violation of 15 USC 1681 c-2 ( a ). You are also in violation of 15 usc 1681b. I did not give you consent to furnish any of my information. 15 usc 1681n lets me know that any person who willfully fails to comply will be responsible to pay actual damages up to {$1000.00} per violation. I have mentioned two violations. In this report so far. I would advise your consumer reporting agency to comply and abide by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am making a formal complaint that Transunion, XXXX, and XXXX  are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following addresses do not belong to me nor have they ever belonged to me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am so confused as to why they continue to NOT erase these addresses from my credit file, even after I have sent in notarized proof of my address. this is how other erroneous information can be attached to my credit file. I have written them on 2 separate occasions asking them to correct this very serious error in reporting. However, all they have done is stated that my file is Updated without deleting the other false addresses. Can you please help Please delete this misleading information, and supply a corrected credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX. Claims I owe {$230.00}. but when I asked them to further verify the debt since I believe I paid the original creditor in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The father of my children admitted to stealing me and my XXXX childrens social security information. A police was filed. I recently found all these phone numbers and addresses that I have never used or lived in on my credit report this has all been done over the last few years. The addresses crossed out in the attachment are residential areas Ive never lived at. Even a XXXX Tx address. I am currently repairing my credit and came across all of this information. I believe it to be an act of fraud in order to destroy what credit I have and the credit I am currently working in the obtain better credit. I have a current freeze on my credit with TransUnion and XXXX. I believe this information has been given out by XXXX XXXX XXXX and his girlfriend XXXX XXXX XXXX. Please HELP!

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: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got caught up in a fake at home job scam and mobile deposited a check sent to me by the " company '' and now my bank account is overdrawn {$490.00}, XXXX. I called the bank and all they want to do is close my account, they are treating me and talking to me like I am the one who is scamming them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MI
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDIT AGENCIES HAS VIOLATED MY RIGHTS. 15U5C 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY. 15USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN CONSENT. 15USC1666B STATES THAT A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle repossessed and sold. The deficiency balance almost exceed the original balance of the loan. This after making payment on $ XXXX and remaining balance of $ XXXX after paying for almost three years. Impossible to have this balance. I researched the company and I see that this a predatory lender in the finance business. They are outside of the norm for being a company that finance cars. I am out right in disagreement the deficiency amount. I was never alerted of the vehicle being sold at auction another violation. I am asking that this company be held accountable especially in the current climate, pandemic era. 


https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$5200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
11 inquiries unauthorized XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have never authorized theses inquiries, I have called Experian, XXXX and XXXX fraud department multiple times and they refused to delete these inquiries My previous address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I moved XX/XX/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 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
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. 

Account Name : 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  has violated my rights. Or list of inquiries 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 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I check my credit score every month on XXXX XXXX. For as long as I can remember now my credit score has been at XXXX or XXXX. I get an email from XXXX XXXX a few days ago saying my score has dropped. I log on and to my surprise my score has dropped by 107 points, I was devastated by this news. I had no idea what could have caused this drastic and sudden decline. I havent had a loan or credit card in several years and my score has remained the same. I never missed or was late on a payment on neither my car loan nor my credit card. The only thing I seen that was different was that from my XXXX credit score to my XXXX credit score was that I had two auto loans that went down to one. Ive never had any more than one auto loan and like I stated previously its been a few years since I paid it off. Any help with this situation would be greatly appreciated.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/XXXX, I submitted a request for an investigation regarding a XXXX XXXX acct, instead a received a generic stall tactic response devoid of any information. 
I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. You have failed to reveal the method or any documentation of stated investigation. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to TransUnion certified mail. 

I didn't hear back so I called on XX/XX/XXXX & XX/XX/XXXX with no help. I even kept offering my certified tracking number. It has been sent but Transunion kept telling me they dont have & were rude. This is sad and I still haven't even heard back from these Companies yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the second time I have a complaint about this account XXXX XXXX XXXX # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.

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