BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXDate Opened:XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened: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 2018-05-08
Company: EQUIFAX, 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:
Two unpaid XXXX cards are listed as mine, while they belong to a soon to be ex-husband. Two names appear as mine, but one of them is a 20 year old maiden name -I do not have any more. I do not carry over balance from month to month unless the credit card ' computers were down when I tried to pay on the phone person to person. 
3 problems in all, counting 2 erroneous XXXX as one problem. 
In the past and presently I have hackers ( my ex and his sister ) who break into my computerized records and creates havoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer.

So how did you do it?!

Who did you talk to in the creditors office?

Did you send them the information about the account that I sent in?

How did you send it to them?

Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified?

The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified.

If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct.

Any automated response or e-Oscar verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-12-07
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 2023-05-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Monday XX/XX/2023 received inquiry notice letter in mail, notifying me a credit card application process made on XX/XX/2023 was denied from TD bank. 
I researched out to the number that was provided from TD bank. Spoke with representative who transfers me to the credit department. 
After questioning the inquiry letter and the bank. I reported to the representative I did not apply for no credit card online. 
After giving all my information to verify who I was representative noticed someone fraudulent applied for a credit card in my name. I do not bank and never have banked with TD bank or never have I applied for a credit card with TD bank. TD bank ran my credit report according to the denial letter. 
Of course I would not apply because I am on a ssa fixed income and know my dept ratio is to high to even attempt to apply for any credit during this time frame. 
The online process was made on the date of XX/XX/XXXX according to TD bank representative. 
I know exactly what I did that day for the fact I had went to the XXXX for 6 mth cleaning @ XXXX XXXX And again I know I did not apply knowing my dept/ratio income. 
Please help me to find and understand how this possibly could have happen, with no ID, no telephone call from an online application to prove my identity. 
The fraudulent application had my DOB, SS #, home address. 
I dont know if it was the telephone number or the email that showed differently on their end to assure me it was fraud. 
But according to TD this is now reported as fraudulent, but this will not fix who has my information, or how they obtained it. 
I need to find what source did this and if any other attempts were made, to pursue legal actions. 
Thank you, Signed so frustrated right now! 
Your site is not allowing me to upload any documents of the notification letter that was sent to myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered an agreement with a solar company XXXX XXXX to install solar on my house. It was funded through Green Sky. The work was to be completed in XXXX of 2023 and by end of XXXX at the latest. I already had existing permits and plans to work off of. The company failed to produce any accurate work to what was agreed upon by late XXXX. Green Sky texted me to ask if it was okay to disperse funds, I responded no because none of the agreed upon work had taken place. Green Sky still sent out over XXXX dollars to XXXX XXXX. XXXX XXXX proceeded to obtain and create their own plans, disregarding my existing ones. The plans XXXX XXXX created were inaccurate to what we agreed upon. I contacted XXXX XXXX to let them know about the inaccurate plans and permits. XXXX XXXX sent a text saying they would no longer complete the project and voided the working contract. Green Sky tried to recoup the funds that I told them not to send out but left me with {$1500.00} in a balance. I asked Green Sky to request full refund since XXXX XXXX broke the contract and provided no work. Green Sky said the XXXX solar kept the funds because of 12 hours worked on the project. 

In conclusion, Green Sky sent out unauthorized funds from my account. Refused to refund the money and is expecting me to pay out money back to them for funds I asked not to be dispersed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been contacting this company to send a Notarized letter of lien release for the past 4 weeks. I initially contacted them on XX/XX/XXXX to fax the letter to XXXX XXXX XXXX XXXX. They said it would take 3 business days at most- it ended up taking 4 business days ( the following Thursday ) to fax it according to them. The state title bureau never received a fax from them. 

I called them the following day again ( XXXX XXXX XXXX XXXXXXXX ) and they said they can mail it out to me this time. So I requested that it be send out as expedited, because I was growing impatient. They ended up mailing it out as regular mail on XXXX  XX/XX/XXXX ( according to them ). I have not received a mail as of today ( Tue, XX/XX/XXXX ). 

I called last week Wednesday XX/XX/XXXX to ask them to both mail AND fax out the letter of lien release again since I could no longer trust them. I called yesterday ( Monday XX/XX/XXXX ) to follow up on the request. The Hyundai Motor Finance says they never received such request. I put in a new request again, and asked them to mail via expedited mail. They then took my XXXX account number, saying I had to pay for it, even though I had been asking for a month now. 

I have contacted them for weeks upon weeks with no provable action. No tracking number. All they say is they have done it, but all we have are their words. No letter. In the eyes of the state, my vehicle is still owned by Hyundai Motor Finance - 3 months after having paid off the vehicle loan. I think HMFUSA is discriminating me based on my XXXX name. 

The original title was mailed out to my old address, even though I had changed my address. The post office and the old apartment says it would have gone back to the sender. This was back in XXXX. HMFUSA should have my vehicle title. Where is it?

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 2023-07-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/ 2023, I called Synchrony Bank because they were adding late charges on my account when I had sent copies of my checks showing when the funds were taken out! I usually send both bills in one envelope but only one is posted! I made several calls regarding this, Supposedly, I spoke with a Supervisor the last time, and I explained yo her the problem and also that I had lost my husband. She not only decreased my account but also put 3 late payments on my credit report. I have NEVER been late with my payments. The XXXX XXXX advised me not to send both payments on the same envelope because it may get thrown away, and she said it did happen. When I some with whomever calling herself a supervisor she was very very rude. I tried to explain to her that I had just lost my hubby and was adjusting to a new lifestyle. My husband did not leave me destitute, in fact I am very well off. Why she ruined my credit is very frustrating to me! It is called Retaliation! I have several accounts with this bank and I have always paid on time. The mistake was send two or three accounts in the same envelope with checks, and the XXXX XXXX explained this to me. 
This so called Supervisor took it upon herself not only to decrease my credit limit, but also to put 3 late payments on my credit report!!!! If this is not taken off and corrected along with my credit decrease, I intend to SUE this bank and I will win. I have all of my bank statements etc. I am taking this very seriously because I have money to pay my bill, and for this person to deliberately ruin my credit is FRAUD!!!! 
I sent in copies showing where my payment were posted on would post and the other was not!!! Not my fault. This needs to be corrected ( the late payments ) or will will go to court!

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is reporting a past account that was closed due to FRCA violations as a new account. This needs to be fixed or removed. The debt was parked according to XXXX and they can report as many times as they want I am told.

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 2021-06-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of XXXX and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
15 U.S.C 1681 ( a ) congress states " ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. C. 1681 ( b ) states " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

You, TRANS UNION, have forsaken your grave responsibility. You have been unfair and partial. Not only did you not have permissible purpose but I did not consent to my NONPUBLIC PERSONAL INFORMATION being collected, housed and furnished by you. There is information on my consumer report that is a result of identity theft. I, did not provide explicit written instructions for the identified transactions ( NONPUBLIC PERSONAL INFORMATION ) to be reported on my consumer report.

Pursuant to 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; should be excluded from a credit report.

I demand you remove the identified items off my report immediately.

Thank you.

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 2021-09-05
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: Account information incorrect

Complaint:
" I was sold a LEMON. '' XXXX XXXX XXXX placed inaccurate information on my Credit Report. 
The vehicle was not Voluntary Surrendered. 
The Vehicle was a lemon.

I have requested this company to remove this statement of Voluntary Surrender off of my Credit Report.

I like to have a Consumer Statement of : I was Sold a Lemon to be placed on my Credit Report. Or The Vehicle was a Lemon. The car never was repaired and it was unsafe to drive. 

I, the Consumer, XXXX XXXX paid over {$10.00}, XXXX ( XXXX XXXX Dollars ) into Repairs for this Lemon Vehicle.

The repairs exceeded the value of this Lemon Car. So, Therefore I like for the Statement of Voluntary Surrender to be removed off of 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 explanation