BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It has been a battle going through this and I am requesting to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the listed items below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be 90 late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. 
XXXX XXXXXXXX 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 2023-09-09
Company: Experian Information Solutions Inc.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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: Account information incorrect

Complaint:
Bank is fraudulently requesting money from me for a closed account. 
-Bank sent a statement dated XX/XX/2023 that I owe 4 months ( {$9200.00} ) for an account that has been transferred to another mortgage carrier. stating I owe for XXXX, XXXX, XXXX, and XXXX As well as giving false, inaccurate and conflicting information to credit reporting agencies and Me. 
-reporting to credit reporting agencies that The account is still open, even though the account was transferred to another Bank AND responding to previous CFPB confirming this -reporting to CRAs that my monthly mortgage is $ XXXX/month. and sending my statements asking for $ XXXX/month

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time, yet they are being reported as 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 2023-11-14
Company: Experian Information Solutions Inc.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
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 have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX and AG! 

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.

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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX XXXX XXXX IS THE ACCOUNT I AM REFERENCING

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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
FROM XXXX TO XXXX IN WHICH XXXX DISPUTED TRANSACTION IN THE AMOUNT OF {$14000.00} HAVE CALLED NUMEROUSE TIMES TO FALLOW UP AND HAS BEEN MORE THEN 10 DAYS AND THE BANK THAT HAS A POLICY OF AFTER 10 BUESINESS DAY THERE SHOULD BE A DESION MADE AND CREDIT MY ACCOUNT IHAVE SENT A FAX WITH MY INFO LETTING THE BANK OF AMERICA KNOW THAT IHAVE SENT THEM PROOF THAT IWAS XXXX IN A LIVE IN PROGRAM FOR 2 AND A HALF YEARS SINCE XXXXTO XXXX .IAM BECOMING HARD SHIP AND WOULD LIKE MY MONEY THAT WAS TAKEN FROM A FRUADSTER!

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 2023-06-30
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:
In accordance with the FCRA, Experian have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give anyone written permission to furnish these accounts to my credit profile. I have the list of accounts that I will post here! ( Company or Organization : XXXX XXXX XXXX XXXX and Company or Organization : XXXX XXXX XXXX ) I am attaching identity and proof of address.

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 2021-08-17
Company: Experian Information Solutions 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:
i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies XXXX, experian and XXXX  are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX 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.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...

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 2021-08-17
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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have several loans managed by Navient. some of these loans were consolidated from other companies. Most of loans were federal subsidized and unsubsidized. the lowest interest rate I pay is 3.125 % and the highest I paid was 9.75 % on a training loan. Most of my outstanding loans abo

ut ( {$62000.00} ) is at the rate of 6.8 %. I graduated in XX/XX/XXXX and for couple of years I did not make significant payments into the loans, except of a loan to
Sallie Miae, which was consolidated to Navient in XX/XX/XXXX. the total I borrowed in this loan is {$18000.00}, I consistently paid {$180.00} monthly since XX/XX/XXXX. Even when I was late next month I paid the late charges and the missed month. so far I paid over $ XXXX of this loan and still going. I don't even now how much is the balance now but I'm sure it wont be less than XXXX. 

below is the current status of all the loans. 

1-01 Career Training {$0.00} 9.750 % No Due Date 1-02 Stafford  - Unsubsidized {$0.00} 3.370 % No Due Date 1-03 Stafford - Subsidized {$0.00} 3.370 % No Due Date 1-05 Consolidation {$5500.00} 3.125 % XX/XX/XXXX 1-06 Consolidation {$8600.00} 3.125 % XX/XX/XXXX 1-07 Stafford  - Subsidized {$0.00} 6.800 % No Due Date 1-08 Stafford  - Subsidized {$13000.00} 6.800 %XX/XX/XXXX 1-09 Stafford  - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-10 Stafford  - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-11 XXXX XXXX {$0.00} 8.500 % No Due Date When I graduated the total I owe was about {$96000.00}, and by XX/XX/XXXX the total I owe was above {$130000.00}. During the last two years I managed to reduce the loans to the point where the total was just over $ XXXX. Since then I did not miss a payment, maybe a little delay but did not miss a payment. Today the total I owe s {$76000.00}. according to my calculations the total I owe should be less than $ XXXX. Since I started paying and up to date I believe I have paid not less than XXXX into these loans but most of the amount I paid went towards interest and maybe other fees. I believe I was unfairly treated and fees, high interest and other charges were dumped on me. For the year of XX/XX/XXXX alone, Navient sent me a tax document that showed I paid $ XXXX in interest. imagine the interest payment alone for was XXXX in a loan at the time a little over 100k. I would like to file a complaint and have the loan managing company disclose : 1. how much interest I paid from the start up to date ; 2. i'm contesting the legality of the charges, late payment charges 3. I'm contesting that I agreed to the interest rate of 6.8 % and the rate of 8.5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
credit bureau is continuing to allow XXXX system to report false and fraudulent information on my report. I have attempted to resolve this with them since XXXX of XXXX XXXX  is attempting to collect a debt for direct energy which does not exist and never has. i contacted them directly and they have no trace of information that relates to me. its false. ive asked several time on multiple requests for proof and it nver has been provided ( once again i knew they couldnt provide because the account with direct never existed ) its for the total of {$230.00}

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 2023-08-29
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:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 2, My correct name is as mentioned above 2. Addresses : The addresses 1, Incorrect Address XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX My correct address is as mentioned above. 
3. Phone Numbers : 1, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, My correct phone number is ( XXXX ) XXXX XXXX. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXXXXXX listed in my report are incorrect. 
5. Incorrect Account : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AL XXXX Account # 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 2022-08-10
Company: EQUIFAX, INC.
State: NH
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 XXXX XXXX XXXX of XXXX, XXXX non legal fiction have been back and fourth with this corporation for years as : I have stated in the past that Equifax inc has XXXX reporting inaccurate information on me for some time causing me to pay higher interest rates, being denied Credit opportunity XXXX over wrongful scores as you can see in recent weeks Equifax has been reporting millions of wrong scores to consumers for some time. 
putting : myself into a bind for my credit worthiness. 

pursuant to 15 usc 1681 ( a ) ( XXXX ) Equifax assumed their role in assembling and evaluating consumer credit and other information about consumers, : I XXXX living man never gave Equifax permission nor consent to report anything about : myself to report any information about me to said Equifax report. 15 usc 1681 ( a ) ( XXXX ) states there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy. 
Equifax consumer report about me with alleged accounts that were never verified through personal family members, neighbors, and close relatives is unfair and impartial because i was never consulted to verify if the information was accurate nor even asked if i wanted alleged accounts to be reported at all. ( this is aggravated identity theft, for enjust enrichment ) Equifax has not exercised there grave responsibility as evidence by hundreds of inquiry and accounts by sending fictitious scores to millions including : Myself. and including fictitious accounts that have never been verified. this corporation has shown lack of respect to my privacy and never had my consent to buy and trade my personal information this is acts of war and treason. these actions are as well violations of Gramm-Leach-Bliley Act, refrenced by 15 usc 6801 and 15 usc 6802. 
( accounts and all inquiry must be removed immediately with a copy of my updated report thru mail at address XXXX XXXX XXXX XXXX, XXXX NH XXXX.

Company response to consumer: Closed with explanation