BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Name : XXXX XXXX XXXX Address : XXXX Little XXXX XXXX, Spout Spring, VA XXXX Email : XXXX My complaint is against Experian concerning my Chapter XXXX Bankruptcy dispute. 
Report # XXXX XXXX XXXX CT VA XXXX XXXX XXXX XXXX # XXXX On XX/XX/2021, I sent a notarized, certified dispute letter including a letter from the courthouse stating that they do not subscribe to the Experian agency to be able to report this public record on my credit report. Experian responded, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' Next, I disputed this account online XX/XX/2021, with the same response. On, XX/XX/2021, I spoke with an unprofessional, female Specialist with unknowledgeable comments that Experian never received my mailed documents which included a letter from the courthouse stating that they do not subscribe to your agency to report this public record on my credit report. The Specialist left me on hold for XXXX hours and XXXX minutes which I could hear other representatives working with their customers. Then the phone hung up. I am humiliated and will consider filing a complaint with CFPB if this account is not removed immediately. XXXX and XXXX removed/deleted this account XX/XX/2021.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
You are in Direct Violation of the Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: In progress
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
the accounts attached to this complaint shouldn't be on my credit report I demand they get deleted immediately.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX took XXXX points for a fraud account that I had to dispute then another XXXX points for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my consumer report and noticed 2 late payments on an account that I was never late for the Consumer Reporting Agencies to assume a vital role and have and have a responsibility to report Consumer information to the best of the ability with Maximum Accuracy. I have never been late on the payments for the account XXXX XXXX XXXX Account # XXXX. Please Investigate and provide Proof with statements showing that these late payments were late. If proof cant be provided I demand these late payments to be Removed or Updated to show that it was never late.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: In progress
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Thursday, XX/XX/XXXX I called Transunion and was transferred to the fraud department to help me with my problem I noticed on my credit profile. I notice two unauthorized inquiries that I did not authorize. According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed! The agent by the name of XXXX XXXX said that and I repeat the system will not allow him to dispute inquires and that FCRA is incorrect. Inquiries mean that I applied for something.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX credit account has a note stating that the account was previously in dispute. THIS ACCOUNT HAS NEVER BEEN IN DISPUTE ARE THEY ADDING INFORMATION RANDOMLY NOW?

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This credit card is reporting inaccurately. 

XXXX says that the last payment was made on XX/XX/2023. I reported that this information is inaccurate and they verified it as accurate as of XX/XX/2023. 

Transunion reports date of last payment as XX/XX/2023, i reported that this information is inaccurate and they have validated it as accurate as of XX/XX/2023. 

XXXX is reporting that {$0.00} was paid on XX/XX/2023 as of XX/XX/2023. 

XXXX shows that the account was 120 pays due in XXXX of XXXX  but also shows a payment of {$220.00} on XXXX XXXX. 

XXXX shows a payment of {$220.00} being made on XX/XX/2023 and Transunion does not show a date for the month of XXXX. 

Even though there are numerous inaccuracies, all of the agencies have reproted this account being accurate when I contacted them regarding the discrepancies.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below are the name of the company and the dates on which I acquired the inquiry. 
XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2024-01-03
Company: Kikoff Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello my name is XXXX and I were wondering if you could remove the Kikoff Lending LLC off of my account. I closed the accounts more than six months back but it never registered on my credit app. But it says its closed on my Kikoff app.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( TransUnion ) ( XXXX ) ( XXXX ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives! 

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10. 

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: DISCOVER BANK
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 this creditor, 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 ann open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX - XXXX XXXX XXXX XXXX BANK XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.

Company response to consumer: In progress
Consumer complaint received 2019-11-22
Company: Social Finance, Inc.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
On approximately XX/XX/XXXX my wife and myself pre-qualified for student loan refinancing through Sofi. After entering in all of the qualifying questions and criteria we were presented a rate of approximately 2 percent and told that this rate would be held for 30 days, pending a complete application. On XX/XX/2019, I logged on to finish the application by uploading various co-signer documents. Once these documents were uploaded, we were then offered a rate of 4.19 percent, over doubling the amount offered during pre-qualification. On XX/XX/2019, I called the Sofi student loan department to see what the cause of this large increase was and I was told that it was due to " income verification '' ; however, the income stated during qualification did not change when I uploaded the verifying documents. In addition, we did not have any additional debt that would cause our DTI ratio to increase. This practice seems deceptive as they make you go through the whole process before describing your actual rate, which is significantly higher than the rate they initially disclose. In addition, the representative made it seem like our age played a factor in the decision to increase the wage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX 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 response to consumer: Closed with explanation