BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
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: Personal information incorrect

Complaint:
I have recently obtained a copy of my credit report and noticed that XXXX has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.

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 2022-09-07
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my XXXX XXXX because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, AMERICAN XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance $ XXXX Late Date XXXX, BANK OF XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX Dates 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 2022-09-07
Company: Experian Information Solutions 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:
There is information on my consumer report that is a result Identity theft. I never gave written consent for any company to share my non public information to a third party. 

15 USC 1681 ( b ) permissible purpose a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. 

I demand XXXX and Experian to provide a contract bearing my wet ink signature to furnish any information on my behalf. Failure of such contract shall result in these following accounts in the attached letter to be blocked and removed within 4 days.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Dates XXXX, XXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Date XX/XX/21

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 2023-12-01
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:
I demand the reinvestigation of my XXXX, XXXX XXXX XXXX charged off transactions and I demand that you exclude all of the following transactions from my consumer report! According to 15 USC 1681 i7 Description of Reinvestigation Procedure- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I want to know the method used to verify my previous complaints of multiple violations! Who did you speak with pertaining to the inaccurate transaction amounts being reported? How was it verified that it was ok for a charged off ( dead /dormant ) transactions amount to continuously change on a monthly basis for the last 5 years on a consumer report as accurate? What was the position of the person whom you spoke with? How long was the conversations? What was the actual date and time of the investigation? Did you investigate with the IRS that these charge off transactions had already been filled on their taxes as previously stated? Did you investigate that the IRS considers charge offs as 1099c and as gross/ordinary income? Gross/ordinary income does not report on the consumer report, so why are these XXXX  charge offs being furnished as debt on my consumer report, now these become inaccurate under 15 USC 1681EB Maximum Accuracy Shall Be Reported, did you investigate this part of my dispute? Did you look at the proof I had previously uploaded with all the violations and inaccuracies I will be suing for violations of 15 USC 1681n Civil Liability for Willful Noncompliance. 
I DEMAND that you immediately exclude the following transactions from my consumer report according to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions- a consumer report does not include ( A ) ( i ) transactions or experiences between the consumer and the person making the report

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 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card issuer is : CapitalOne XXXX : Improper Application of my payments applied to purchases vs cash advance in accordance to the cardholder 's agreement. It was explained by customer service that if you have purchases and cash advances, the minimum amount due is applied to the principal and interest for purchases first, if you have a cash advance outstanding, the rest of the payment ( s ) received in the billing period are applied to the cash advance balance ( that includes interest and fees ). This process was not followed. All payments were applied to purchases even after the minimum amount due requirement was satisfied. 
With the Cash advance outstanding not receiving any payment, the cash advance fee continued to go up because no payments were applied, causing me to be charged higher and higher cash advance fees. 
These sequence of events happened from XX/XX/2018 to the most recent XX/XX/2018 statement. 

I am seeking that CapitalOne goes back and apply the payments correctly and refund any fees mis-calculated and applied to my credit card account. 

To stop this unlawful activity, I am looking to transfer my CapitalOne account balance to another provider. I would like to close this mess out first before I transfer. 

I was also told that there is no escalation path for these issues. 
The last customer service leader we spoke to was XXXX before that XXXX. XXXX indicated she was as high a customer could go to resolve this issue and the Back office at CapitalONe that could fix this would not respond to my problem stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/XXXX I filed XXXX  XXXX as you can see in the attachments which Bank of America BOA accounts are listed in Discharge of Debtor. 
XXXX served Bank of America XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served Bank of America XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served Bank of America XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 

The Bank of America Corporation ignore the XXXX notices of DISCHARGE OF DEBTOR The of BANK OF AMERICA Attorney is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX ) Phone : XXXX XXXX XXXX ALSO IGNORED this DISCHARGE OF DEBTOR notices. 
I have spoken to a Representative about this matter today XX/XX/XXXX XXXX XXXX They are giving me a run around on hold on the phone for more than 30 minutes or so then hang it up. I went to the Bank of America in two locations the responsible person wasn't found. On XX/XX/XXXX, around XXXX XXXX My Court Atty Commission appointee and I spoke to the Bank of America collection department as suggested by XXXX XXXX they can't find any account that belongs to XXXX XXXX XXXX. 
I want Bank of America Corporation to remove this default judgment on my name and honors the Discharge debtor letter to remove the default judgment from XXXX XXXX XXXX 's Name and order the XXXX XXXX XXXX to release the Escrow of {$34000.00} XXXX I was a co-owner of a home that I bought with a partner in XX/XX/XXXX. That friend wants out of the deal the Court ordered a forced sale and it was sold on XX/XX/XXXX. 
In the title, a search showed up a judgment that they claimed that the same person as me. Please see the Default Judgement attached. I wasnt aware of the case, I never got any notice the address on the form is commercial I never live there. Because of this record, the XXXX XXXX XXXX is escrowed {$34000.00} of my house proceeds. 

Judgment to Escrow XXXX XXXX XXXX This default judgment is wrong. I wasnt given the chance to defend myself, the attorney did not send me a notice because this person is not me.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please provide verification of account, validation of debt and the procedure used to Validate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just moved to the US and have a 1 month old SSN. Experian that was asked by my bank for a credit report won't provide them with any information. I also can't create an account, since I lived here for less then 6 months and for this reason they ask for my previous address, which was outside the US, while they only accept US addresses for this. Furthermore, I can't reach any human on the phone numbers that they provide, only unhelpful computer voices with a handful of choices that all want me to just go to their website and log in ( which I obviously can't do ) and then directly hang up on me.

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 2023-08-28
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: Information belongs to someone else

Complaint:
I have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XXXX XXXX XXXX XXXX ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain.

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, 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 2019-03-20
Company: National Credit Services, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called National Credit Services everyday because I am trying to get in a loan rehab. They keep telling me that they no longer have my account and that the board of Ed do. Call the board of Ed and they keep telling me that they dont have it and that NCS has it. Overall no one seems to help and cant find me and its ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I went shopping at an outlet mall in Florida when I was about XXXX XXXX XXXX. The lady at the cash register who checked me out, offered me the XXXX XXXX Credit Card which would take 20 % -30 % off of my purchase. So I said sure but I still want to pay cash. I got approved for the card and gave her cash ... But I guess she charged the items to the clothes as well. And I had no idea about this. I was a young kid and didn't know anything about credit cards or how they worked at all, I was only XXXX XXXX XXXX. So 2 months later I get some mail saying I have a late payment due, which I had no idea about. So I called the company to try to figure out what was going on and resolve this situation, but they were of no help. I racked up late fees on the account and had to pay an extra {$92.00} for being late. I was only working part time when this was going on so I really couldn't afford the {$170.00} balance and {$92.00} fee or whatever it came out to, I was a broke XXXX XXXX XXXX. I tried to get them to understand where I was coming from, my mistakes, and how I wasn't aware I was late. I was hoping they would reason with me and take the late payments off since I didn't even know they were though, but they didn't. They said I needed to pay in full, and I could not afford to. They would not help me out in anyway, so I had to borrow money from my dad who was not making much money at the time either, just so I could pay off this card. I Paid it in full, and then closed the account to make sure this did not happen again, and because I was very unhappy with XXXX   XXXX Credit Card support, they made me not want to continue business with them ... As you can see this is the only late charge on any of my accounts and my oldest one is over XXXX XXXX XXXX I have paid on time to everything else and have been extremely proud of my credit standing.. Until just recently.. My credit dropped 31 points!! Out of nowhere! On my XXXX Credit Scorecard it says reasons affecting the drop were number of missed payments.. This late payment with XXXX XXXX was back in 2013. Plus, last time they updated my credit report to XXXX was XX/XX/XXXX, XXXX SO this clearly was already on my credit history and reported years ago, but is just now affecting my score?? I think something went wrong, because this was already on my account and shouldn't just now be affecting me.. Sorry for the long message, but I hope you can understand where I am coming from.

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 2023-12-01
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-04-24
Company: CarMax, Inc.
State: GA
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 have contacted both XXXX, and XXXX by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX  ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX  and XXXX have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.

Company response to consumer: Closed with explanation