BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the XXXX data breach.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-04-09
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened under my name with XXXX XXXX on XX/XX/2022 at this address : XXXX XXXX XXXX XXXX, OH XXXX I called XXXX XXXX directly to try and resolve the issue, but they were not able to immediately help me. During the call, I was able to determine that the other authorized user on the account is XXXX XXXX. I do not know who this person is. I live in Southern California and have never stepped foot in Ohio. Somebody stole my personal information and opened an account with XXXX. 

The thief did not pay the bill, and now XXXX has sent the balance, {$220.00}, over to a collections agency : Sequium Asset Solutions XXXX This has now negatively impacted my credit score with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card company has closed my merchant non-performance dispute as they explain that too much time has elapse to collect from the merchant. Our purchase was for a XXXX XXXX membership that included " points '' awarded yearly to purchase travel related products such as airline tickets and timeshare stays. We purchased the {$19000.00} 25 years contract using 4 credit cards transactions. Three transactions with Barclays and one with XXXX. I will attach recent correspondence with Barclays that will detail the history starting with Barclays rejection of two f the dispute. One dispute was refunded after the Barclays investigation but the other two were not due to their agents failure to properly process the complaint that was filed by phone. The three transactions were disputed at the same time but the agent used a single case number which caused the other two to be dropped or ignored. The fourth dispute filed with  XXXX was refunded after their investigation. Again these details are in the attachment along with copies of the letters and evidence that my letters were faxed and expressed mailed to Barclays. I have tried to reach out to Barclays, twice, to avoid escalating resolution to a third party but they have not responded to my disappointment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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: MI
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Bankruptcy - The courts do not report to credit burcaus this information is unverifiable and inaccurate/ invalidated account

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 2023-02-01
Company: TD BANK US HOLDING COMPANY
State: TN
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:
TD Finance investigation does not match records at all. 
The vehicle was repossessed 1 yr before they are saying. 
They sold the car and Ihave paid over XXXX for the car Everyone in america has been given discounts on loans credit cards and I have to pay over XXXX for a car I don't have I was in hardship of domestic violence at which time someone took my vehicle and your company said i didn't have a repossession however the man took my car and now Im being forced to pay over XXXX dollars for something I don't have I have also requested help for a fasified eviction and none of your complaint departments lawyers or we the people are not helping me. But I help everyone that needs me. Health care and Civil duty for the unemployed... I am an american asking for help from being a victim of domestic violence and I have been lost in the shuffle of paper work and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not owe any debts to PayPal. I received an email saying they sold a debt to buyer. I demand to see written proof the debt per section 609 of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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: Public record information inaccurate

Complaint:
I have repeatedly requested PROOF that I contracted with XXXX XXXX  XXXX and violated a contract. They have not provided this information and continue to report on my credit report that I owed XXXX XXXX  XXXX. I never owed XXXX XXXX  XXXX and demand deletion of this erroneous reporting according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. My next step is to take legal action in regards to this clear violation of the federal article.

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 2018-12-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Syncrony bank closed my belks account after I made a complaint to consumer Financial Protection Bureau. The day I made the complaint I received an email from synchrony bank to get in touch with them to work something out when Icalled the president of customer relations she said there is nothing we can do for you and they closed my account.

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 2023-09-29
Company: EQUIFAX, INC.
State: KY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I have submitted disputes to Transunion over 18 times already, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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. 



Transunion can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to bring to your attention some inconsistencies that I have identified in my personal credit report. These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. While I understand that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. The other bureaus have already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following errors : 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 wh
ich 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 2022-06-15
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out my lease from Hyundai on XX/XX/XXXX. Hyundais website stated I would receive the title within 20 days business days. After 25 days on XX/XX/XXXX, I called Hyundai to inquire about the title and was told it shipped out on XX/XX/XXXX. I called back on XX/XX/XXXX and was told it was returned to Hyundai as undeliverable on XX/XX/XXXX. When I asked what address it was sent to the Hyundai rep told me my street address but a different city and zip code. I have had the same address in their system for 10 years. I called back on XXXX and XX/XX/XXXX and was given the same wrong address answer with no change to correct the address or escalate my issue, each time they gave an additional 10 day window. I called on XX/XX/XXXX spoke to a supervisor who said he could see I had called but no action had been taken. He also said he was escalating to his manager and that it would take another 3 to 5 business days for that request to process before the title would be sent and then we would need to wait an additional 10 days for it to be delivered. It has now been 46 days or 32 business days since we purchased the vehicle and still the title has not been sent and it has been 8 days since it was apparently returned and Hyundai has made no effort to resend the title. This new 13 to 15 day process window is unacceptable.

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 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called Truist 3 times about my mortgage payment. I had no issues with SunTrust. I was set up to have my payment come from savings. Since Truist took over they are hitting my checking account. They charged me an NSF fee. Told me they would take it off my account due to their error, but instead continued to charge me the NSF. Asked them to fix the account so they hit savings. Employees could not figure out how to do it. They hit my checking again. They wont answer the phone. They dont have the ability to accept emails. Employee I did talk to the one time told me I needed to talk to digital support if it hit checking again. So I called that line only to get Life Line wanting to give me a button to wear around your neck. This bank is the worst ever!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Don '' t want it to report on my account its too old and its paid off

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} ; 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