BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'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 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Acct : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXXXXX acct # XXXX and XXXX XXXX XXXX acct XXXX XXXX, have 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 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 non-monetary relief
Consumer complaint received 2021-06-05
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account off and returned the equipment but this account went to collections. I was told that the account would be deleted as soon as my Account was fully updated in XXXX XXXX. I disputed the accounts and the law office Carter Young updated it as unpaid and it made my XXXX  drop XXXX points. This is a nightmare because im in the process of buying a home. I was told by XXXX they would notify Carter Young to delete the account from my report and not to worry but instead they are wrecking my credit more because instead of deleting it they reported it as unpaid for another month which looks like a missed payment. Even if they delete the acct I still have to wait until my credit recover. This has been a nightmare! They actually owe me XXXX cent I dont owe them a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: SUNRISE CREDIT SERVICES, 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:
On XXXX XXXXXXXX XXXX SUNRISE CREDIT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA SUNRISE CREDIT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account 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 explanation
Consumer complaint received 2018-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
On XX/XX/XXXX I obtained a copy of my credit report. from all three reporting agencies. 
I found multiple incorrect Accounts that did not belong to me and incorrect personal information. 
Including this Account : Portfolio Recovery Associates {$140.00} Opened XX/XX/XXXX On XX/XX/XXXX I Directly Disputed this account via certified mail. These disputes were sent to the Furnisher of the data and each CRA. 
On XX/XX/XXXX. XXXX addressed other issues but did not Validate the above account. 
XXXX failed to provide me with any of the information I requested. 

On XX/XX/XXXX I sent a Second Direct Dispute to the Furnisher. Informing them that the account had not been validated and again requesting information On XX/XX/XXXX I finally received a response from the furnisher including a computer generated form with no proof of ownership, account balance, or any information validating ownership of the account. 

On XX/XX/XXXX I reported the account as fraud to the Federal Trade Commission and mailed a fraud report to XXXX I also Faxed the complaint and spoke with XXXX on the phone. 

On XX/XX/XXXX XXXX acknowledged receipt of my complaint and without my authorization provided a personal fraud statement on my behalf, claiming it was mine, and opted me out of promotional offers, and provided my work cell phone number for all without my consent. they then sent letters to the other Credit Reporting Agancies instructing them to do likwise. 

On XX/XX/XXXX XXXX validated the account as accurate, again without providing me ANY Validated, or Verifiable information. 

On XX/XX/XXXX I sent one Final letter demanding compliance with the FCRA it has been nearly 6 Months and Neither XXXX  of Portfolio Recovary has made any attempt to provide validating information, and after receiving evidence that the account is fraud they continue to report it as mine. This has caused me financial damage and my next step will be a suit for violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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: Account information incorrect

Complaint:
I have reached out to XXXX  on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or TransUnion consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by XXXX XXXX each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three XXXX XXXX accounts listed below be removed immediately from my credit report with XXXX, Transunion and XXXX. XXXX is in direct violation of my rights under FCRA. 

XXXX  account numbers : * 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 2023-03-22
Company: Experian Information Solutions 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:
INFORMATION IS NOT MINES AND SOME OF THE INFORMATION IS REPORTING INCORRECTLY

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 2021-09-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fair collections and accounts removed XXXX it has already been removed from my credit and back XXXX XXXX XXXX has already been removed and came back XXXX XXXX XXXX XXXXXXXX has already been removed and came back XXXX XXXX  XXXX has already been removed and came back XXXX XXXX I am not even on this card for the last 6 months

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Subject Request to remove unauthorized credit inquiry Inquiry made by : Inquiry made on To whom it may concern, I am writing to dispute the following information in my file. I received a copy of my credit report. And I noticed there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorization the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the name, business, address and phone number of those who made unauthorized credit inquiries. So I may contact them directly in addition, I respectfully reuest a copy of and documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documents that you have had the unauthorized inquiry remove. If you find that I am in error, then please send me proof of this Finally, I am requesting an update copy of my credit report which should be sent to the address listed above according the the provisions of 612 ( 15 USC 1681j ) there should be no change for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX Enclosed are the following two documents that verify my identity ID/DRIVER LICENCE SOCIAL SECURITY CARD

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 2022-12-16
Company: Credit Karma, LLC
State: MN
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:
i am a victim of the credit karma false and misleading advertising run witch resulted in a dramatic increase in my credit score over the span of a year they advertise these credit cards saying i'm approved and once i complete the application i was denied. this happened on about 15+ occasions this again resulted in multiple hard pulls on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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:
I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I circled everything inaccurate with red INK!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies 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 2019-06-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have two private loans with loan servicer, American Education Services. Their website is www.aessucces.org. 

My monthly payment is due on the XXXX of every month. Im currently past due {$460.00}. Right now, Im unemployed and there is no way that I can make these payments until I get a new job. 

I sent in a letter to be forwarded to the lender on XX/XX/2019, asking for additional forbearance or deferment since Ive apparently used up my other options according to AES. 

Ive called every day since Ive sent in the letter, but to no avail, its still under review. I dont see how reviewing a letter can take so much time. 

I want to resolve this issue as I have a co-signer on the loans and I dont want to impact them on the credit reports. 

However, Im stuck between a rock and a hard place because I have no way to pay back the loan currently. 

Please advise ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Moria Development, Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several of my mortgage payments have been mis-allocated when received by the mortgage company, resulting in a claim by the bank that I have missed payments and resulting in negative information being reported on my credit report. I previously filed a complaint, and the company responded that they were able to find two mis-allocated payments but were still missing the XX/XX/2018 payment. The bank claimed that they attempted to reach out to me to resolve, but I have received no written response from the lender, and had previously blocked their phone number due to harassing phone calls I received regarding missing payments that I had in fact paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-02-12
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX Santander Consumer USA sent me a 1099C for debt cancellation on the residual balance owed on a camper that my ex-husband allowed to be repossessed. I amended my XXXX income tax filing to include the amount of the canceled amount as a part of my income. The identifiable date on the 1099C was XX/XX/XXXX. On Friday XX/XX/XXXX I received another 1099C for the exact same amount with and Identifiable date of cancellation for XX/XX/XXXX. I immediately contacted Santander Consumer USA that evening, and after speaking to several associates one of whom was a manager, I was told to speak to my tax preparer and they could explain to the IRS that I had already paid the taxes on that amount. They also advised me they were limited as to what they could see because the account was inactive. I asked for the matter to be escalated and for someone to call me back who could speak to the matter. No one called me back and I reached back out to the company and was connected to someone who handled escalated calls and I sent him both of the 1099C documents for his review. He said he would research and call back, which he did on XX/XX/XXXX. He advised he had the account reactivated so I could see my payment history, but yet again provided the same messaging to contact my tax preparer and maintained they had no record of the XXXX debt cancellation. My tax preparer has no solution for not claiming this as income. I was also told at one point by Santander to ignore the 1099C, which i know is in accurate. The payment history they have provided me access to has gaps in the history. I have to claim this as income once again as to not delay my income tax return be held up. Santander has no explanation for how this has happened, or how a debt can be cancelled more than once. I feel this a very deceptive on their part, and how many other people are impacted by this action. Furthermore, if the loan was just being cancelled in XXXX, why is it not being reported negatively on my credit report.

Company response to consumer: Closed with non-monetary relief