BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.

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 2022-03-04
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.

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: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2023-11-15
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:
XXXX said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living. 

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file

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 2021-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to Portfolio Recovery Associates LLC. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

Portfolio has removed both accounts from the credit report under the " Collections " section but XXXX still shows this account as delinquent under the " closed account " section of my credit report. 

I called XXXX regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX / inquiry 2019 I do not know this account. On the above date listed I had just had XXXX XXXX and was 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 2023-03-24
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$13000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$2000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MI
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 accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX  COMPLAINT, & FTC REPORT XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 I request to have the above accounts and inquiries removed 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was trying to use my Wells Fargo credit card about a week ago and found I couldn't charge anything -- it was being declined for routine transactions I've been making for almost 12 years with the same card company/credit card account. I called to ask what the problem was and was told that there was a " problem with my account '' and had I not received a letter. I told them of course I had not received a letter. If I had received a letter I would not be trying to use the account that day. They agreed to send a " second letter '' and wouldn't tell me anything more on the phone even though they had fully verified my account.

I got the letter today and it said they were closing my account for one of a possible four or five different reasons, but not telling me which reason it was. They treated me like a new customer or a customer who had not been paying my account regularly for the past 12 years. I often go over my limit a little bit, but always pay off the overlimit amount within a few weeks.

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 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 have disputed with this company-Midland Credit Management and to no avail. Their response was, " the consumer disputes this account information '', without giving any response as to how they obtained my personal information. This company has been erroneously reporting my credit file for 3 yrs and 4 months, alleging that there's 2 debts owed. With the help of the credit bureaus, I have obtained past and current reports that indicate changed information and incomplete information for alleged debts. I have also obtained phone records where this company has called me several times and hung up. This is considered harassment and as advised by the FDCPA is a violation to my consumer rights, also still alleging that debts are owed that has passed the statue of limitations without providing proof after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans Union file # XXXX, is reporting the following fraudulent inquiries XXXX. XXXX XXXX  XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX dated XXXX XXXX XXXX, 2023.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 explanation
Consumer complaint received 2023-01-31
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: Account information incorrect

Complaint:
I have contacted Experian numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to Experian Special Services on XX/XX/2023, they have promised me to fix the errors on the credit profile, yet they did not correct all of the information. 

I called Experian today and spoke to XXXX XXXX in XXXX. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. My call was transferred to XXXX XXXX, Special Services, I have to go through the similar situation, I have explained to XXXX XXXX about the issues on my credit profile, after several repetitions, I requested to speak to a Manager/Supervisor, as always I was told there is no one available. 

I am waiting for a Manager/Supervisor to call me back to understand the issues I have been facing for over 5 years now and correct my credit profile with accurate information.

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 2023-11-10
Company: Capstone Credit & Collection, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company claims I owe them nearly XXXX dollars and its hurting my credit score. Ive tried to dispute it as I do not owe this company anything. I asked for them to please send paperwork stating why I owe the said amount and to please verify that their information is correct and I explained how Id like proof. No proof was sent over. As a matter of fact the company was unable to pull up any information on their end. 
Please delete this account from my credit reports, all three bureaus please. 
I am tired of being ignored. I am tired of my disputes being ignored. I want proper verification and they refuse to provide or delete from my credit profiles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Upgrade initially approved me for a line of credit of {$4000.00}. They have now three times lowered the credit limit due to their predatory monitoring of my credit and my credit score. They have now lowered it again despite the fact that I have never missed a payment. In addition, the account is set to automatically deduct payments from my checking account so there is no reason for them to lower my credit line. Even worse, they will lower it to the current balance each time which is not in good faith. These terms were never stated when I was approved for the account. I am going through a divorce so I am in a difficult financial position so they should not be penalizing me in the first place but certainly not as a result of factors that are out of my control. In addition, they never withdraw that money in a timely manner. It is supposed to be withdrawn approximately on the XXXX but they take many days sometimes to actually make the withdrawal which leaves me in a vulnerable situation because my account could suddenly drop unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter ( XX/XX/2019 ) to ask and get a explanation as to why certain items are reporting on my credit report and also to see if Trans Union is even in compliance with federal and state law to be reporting in accurate information in regards to 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 2022-10-18
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The initial debt was from XXXX XXXX. 

Following a contract closure, XXXX wrongly charged me for not returning their equipment, which I actually did ( XXXX  Return Tracking Number : XXXX ). I never received this invoice ( and despite my requests afterward ) After several phone calls, XXXX did find the equipment, and admitted it was a mistake from them, but still never canceled the wrong invoice. 
The 2 last calls to XXXX XXXX were on XX/XX/2022 and on XX/XX/2022. XXXX 's representatives always tell me that it will be handled within 10 days, but nothing is canceled. Worst, they don't have any traces of the previous request. 

XXXX XXXX sent this wrong invoice to XXXX XXXX debt collector ( + {$26.00} fees ), greatly damaging my credit score. XXXX XXXX finally waived this debt. 
Then XXXX it to CBE Group debt collector, with even more fees ( + {$47.00} fees ). I'm disputing this debt as well. 

It is endless and without a 3rd party intervention toward XXXX XXXX I can't solve this issue from which I am solely a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I've attempted to contact Mohela six separate times over the past two months for information related to my student loans, and I've been unable to receive any type of response. I've attempted to call them directly, send them emails, and submit complaints through their online portal at https : //www.mohela.com/DL/common/contactUs.aspx. 

At this point, their inability to respond about serious financial issues feels like gross negligence on their part as a student loan servicer. 

Please contact me at XXXX or XXXX if you would like records of my attempts to contact them. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-03-04
Company: Experian Information Solutions Inc.
State: MS
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 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 explanation