BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX  decreased by XXXX plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX  decreased by XXXX points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and credit karma now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-02-19
Company: EQUIFAX, INC.
State: MD
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, 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:
I Did Not Authorize anyone to open any Account Using my Social and ID to open this Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 U.S.C 1681. ACCOUNT Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-09-30
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had trouble repaying my studebt loans for quite some time, mainly because I had attended college and graduate school with the promise to have a high paying career, and I have barely been making enough to cover standard Bill 's and living expenses. This has led to reaching out to Navient  several times for assistance on my best options. Each time I have been directed to defer and I really didn't know better on how it would affect my total loan amount based on interest. Now my loan total has been increasing from this, and I am no closer to finding a job to reflect the education level I am in so much debt from. I feel like I have been given false promise on how I will be able to eventually make payments on my loans, mis directed on best ways to chip at my loan while trying to stay afloat with my bills, and even when i was making consistent payments before my last position laid off their sales team, I didn't see a decrease in my loan total, I just felt like I was only paying interest. I feel like I'm drowning with Navient loans and don't see a future where I make enough money to be free of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Bread Financial Holdings, Inc.
State: KS
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 paid 3 credit cards and have been waiting for nearly 6 months ago. 
I attempted to contact comenity and was told they can't do anything. They told me to send a secure message through their message center, which I did. 

XXXX XXXX XXXX XXXX. Last reported XX/XX/2022. {$410.00} shown on report Ulta last reported XX/XX/2022. Shows {$220.00} on report XXXX last reported XX/XX/2022. Shows {$160.00} on report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection SOUTHWEST RECOVERY SERVICES has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.

I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with SOUTHWEST RECOVERY SERVCES or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.

The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 5 times ( {$5000.00} ) 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 2 times {$2000.00} 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number {$3000.00} I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion, XXXX and XXXX are all guilty of the infractions below. 

- Account information incorrect - Account status incorrect - Personal information incorrect - Public record information inaccurate - Old information reappears or never goes away Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy.

TransUnion, Equifax and Experian are guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) TransUnion, XXXX and XXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer 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 2023-11-24
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I have made five payments to Aidvantage and they reversed every single payment. I called customer service and it takes forever to get an agent. When you finally do, they are incompetent to handle the situation I need help resolving this issue. Aidvantage is reversing payments for no reason. I am trying to pay back my student loans

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks

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 2023-08-02
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 2022-11-23
Company: EQUIFAX, INC.
State: CT
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 a complaint against tXXXX XXXX  XXXX. I spoke with their employees, who introduced themselves other than a salesperson. They started their lies by saying we are making a good financial investment and even promised re-sale value would go up. Moreover, they told us that we would actually make money from this timeshare. They offered us gifts such as discounts in parks, savings on our vacations and bonuses if we sent people with promotional codes, and other enticing things which involves earning money on the promotions platform. They made us believe that things would be positively different but each time things got worse to the point that this even created a serious hardship for us. We felt pressured when we were told they needed some sort of approval in order to grant us the deal and that it was our last chance at the lowest price being offered. They never gave us copy of any application nor did they made us aware of all the fees involved. Everything felt rushed as they have never given us enough time to read through the contract. They never gave us a copy of the contract either. We were not properly informed how cancellation process works, we didn't even know how many days to cancel. We tried requesting to cancel after a month but they told us that we could not cancel anymore, that's the only time they informed us that we only have a few days to cancel after the day we spoke with them. We experienced financial problems, husband lost his job and with too much timeshare debt due to credit card payments. We had relationship stress due to this issus because it has damaged our financial credit to acquire loans for our house. It caused us lots of stress to the point that we even lose sleep because the financial situation is not good and we have to pay for this timeshare that we can't even use. The whole process was clearly rushed because it was very fast, like they did everything for us, without giving us enough time to think or read the contract. According to them, we were going to save too much with the timeshare and they did not explain that we could cancel nor did they explain the annual maintenance for life. This has just been very stressful for us, and we were simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started disputing this incorrect information for over a year now. 

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting 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:
Trans Union hold times are over an hour. The website is junk, I can not get a report, start a dispute or even unfreeze my credit. NOTHING WORKS! Then you can NEVER reach a person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance.

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