BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX XXXX Balance : $ - ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-23
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 an account without my written instructions. 

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit 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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 MAILED MY DISPUTES TO THE CREDIT BUREAUS XX/XX/2020 AND I STILL HAVE NOT RECEIVED A RESPONSE YET.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed a late payment and it was verified as accurate. After thorough research of my report, I found multiple inaccuracies across all bureaus. 


Account XXXX - XXXX account number XXXX In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-10-30
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was billed {$59.00} a month XXXX, XXXX, XXXX, XX/XX/XXXX by a company XXXX XXXX  on my Cerulean XXXX. I notified the credit card co. on XX/XX/XXXX by phone. I received no response back. I notified XX/XX/XXXX them by mail to the address it says to write to on my bill. i received no response. I called again on XX/XX/XXXX and I requested a new card. The person said they would refer to the fraud unit. on XX/XX/XXXX I received notification fraud unit received complaint. on XX/XX/XXXX fraud unit sent letter cant reach me by phone. I called the # provided and gave them all the information. on XX/XX/XXXX I received letter from card services to file a complaint with fraud unit ( which I did on XX/XX/XXXX ). I received a 2nd letter on XX/XX/XXXX also from card services they are working on case. may take up to 45 days.on XXXX I received a letter from fraud management services they began a review. ( by now I am frustrated feeling like this is a run around. ) On XX/XX/XXXX I received a letter from fraud management services I was issued {$170.00} credit. I mailed a letter on XX/XX/XXXX stating this is appreciated but unacceptable as I was charged unauthorized charge 4 times at {$59.00}, credit should be {$230.00}, {$59.00} x XXXX is {$230.00}. I do not understand the {$170.00}. I still have no response back from them. I am getting the impression they are not refunding to me what I was charged.

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 2023-01-30
Company: Experian Information Solutions 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 explanation
Consumer complaint received 2023-02-12
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I took a loan to buy a vehicle and in XXXX of the same year I had an accident and the car was lost after talking to the insurance company. I called the company to explain what had happened, at most companies what happens is they pause credit while you get insurance information, but here I didn't call them and they always gave me different information and even if I didn't have my vehicle if I had to make my car payments, in XXXX the company sent a check for the full value of what was owed, because the check had already been sent, so I called the company and told them I didn't want them to make a negative report. I called them on XX/XX/XXXX and what the person told me was that I did not have to pay that the check would arrive that same day and that from that day on I had 10 more days as the deadline for the check to arrive if on that day moment the check did not arrive there if I would have to pay the installments, then on XX/XX/XXXX the check arrived at their facilities and they cashed it the same day but on XX/XX/XXXX what they did was report to us My credit and that of my husband, since we were both in the loan, they affected my credit so much that it dropped more than XXXX points and I already filed a complaint but the answer they gave me has nothing to do with what I asked them what they said is that we spent more time knowing that they themselves told us that we had 10 more days to make the payment and that they were not going to report us and it is in a recorded call on XX/XX/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 2023-06-17
Company: T.S. Holdings
State: OH
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 have reported the company for identity theft and for debt validation with the credit bureaus on XX/XX/23. I have reported them to the FTC as well. I sent them a letter notifying them of the dispute and investigation and a cease and desist on the debt collection pending investigation and validation. They have not responded to anything or about anything. Since the dispute was commenced. They are in violation of 15 USC 1692g ( b ) and 18 USC 1028.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 an account without my written instructions. 

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit 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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The issue is with the {$200.00} vacation rental credit promised with the Venture XXXX credit card for those that applied in late XXXX. ( IT IS NOT RELATED TO THE {$300.00} XXXX XXXX XXXX  ). I applied for, received and paid a massive fee for the Venture XXXX credit card. As clearly stated in multiple advertising methods by Capital One, a benefit of the card is a {$200.00} vacation rental credit in the first year. I booked an XXXX stay that ( based on their rules ) qualifies for this credit on XXXX. XXXX. I have not received this credit. I have contacted Capital One six times to correct this error, every time receiving confirmation that I have earned the credit and it will be posted at various different times. Despite every time being given a date it will post by, Capital One has failed to deliver the promised credit every single time. I have spent countless hours trying to get them to adhere to their own commitment, even reaching out via XXXX and to a senior executive. I am astounded at the utter lack of interest in delivering ON THEIR OWN OFFER after charging a massive fee and for their utter distain for me as a customer. I would strongly encourage the AG to investigate Capital One for false advertising and failure to deliver on a contract. If I am experiencing this, it is highly likely they are doing it to many other people as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Block, Inc.
State: CA
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:
On XX/XX/2022 I had XXXX Unauthorized purchases on my Cash App credit card. This all happened while I was sleeping from XXXX till XXXX. My account is obviously compromised and all XXXX transactions were from companies outside the USA. 

The day before I had two transaction that happened, one from XXXX XXXX XXXX for {$620.00} & one from XXXX for {$100.00} but both were canceled. I didn't know of either company, so I contacted Cash App and told them about them and asked if I should cancel my card. I was told they didn't see anything wrong and just to monitor purchases. That night XXXX unauthorized charges for over {$1800.00}. 

I have canceled the card and I can still see charges being made to the old card account. Today is XX/XX/XXXX, and I havent heard anything back regarding the disputes and havent received any refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over a 3 month period I contacted PlusFlour IncXXXX about a XXXX XXXX XXXX I received. Within the 30 days of the notice i contacted the company asking them to verify that this debt belong to me. The company sent me a letter twice stating the amount of the debt. I asked for a Copy of original contract with signature, name and address of original creditor, proof of collections authorization, purchase debt agreement. None of this information was given to me upon request. Due to this the company can not collect any debt from someone if the information cant be verified or proven that this belongs to 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX : 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 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 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 2022-05-23
Company: Navient Solutions, LLC.
State: TN
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:
Navient reported that I owe them over {$73000.00} dollars and I dont. Navient will not send me proof of this debt. Navient is also reporting information from XXXX. Navient is making it seems like Im over {$100000.00} in debt to them. Navient and XXXX are the same company but they are reporting it as 2 different companies. I dont owe them {$73000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts 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 non-monetary relief
Consumer complaint received 2019-06-03
Company: FIRST HORIZON BANK
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
tried to get a personal loan when I mentioned using a XXXX of the XXXX XXXX on a work van I was cut off and denied because it was related to my business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ 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