BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Re : Second Complaint Regarding Unverified and Inaccurate Collection Accounts on Credit Reports I am writing to file a follow-up complaint concerning multiple collection accounts that have been inaccurately and inconsistently reported on my credit reports by XXXX, TransUnion, and XXXX. This letter serves as a continuation of my efforts to resolve these discrepancies, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX XXXX EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my previous attempts to rectify these inaccuracies, including direct disputes with the aforementioned credit bureaus and the collection agencies, the errors persist. Each credit bureau reports different information about these same accounts, which is a clear indication of inaccurate reporting and a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 U.S.C. 1681i, I have the right to challenge inaccurate information in my credit report, and the credit reporting agencies are legally obligated to conduct a reasonable investigation into these disputes. However, the responses to my previous disputes have been unsatisfactory, and the inaccuracies remain unaddressed. 

According to 15 USC 1681 : I HAVE THE RIGHT TO PRVACY AND I DID NOT GIVE XXXX, TRANSUNION OR XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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: IL
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:
I am writing to bring to your attention a critical issue concerning my credit report. Despite previous disputes and requests for the removal of fraudulent accounts, my credit report continues to display inaccurate and unauthorized information, which is severely impacting my creditworthiness. 
I have identified the following fraudulent accounts on my credit report, and I insist on their immediate removal : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!! 
These entries are not only unauthorized but also damaging to my credit score and financial reputation. I have previously submitted disputes regarding these fraudulent accounts, yet they persist on my credit report. It is evident that the bureaus have failed to thoroughly investigate and rectify the situation, and instead, additional fraudulent accounts continue to be reported.

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 2022-07-25
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$890.00}

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry XXXX scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft please remove this fraud inquiry 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 2023-05-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I looked at my Clarity credit report and found inquiries that I didnt authorize

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 2021-11-04
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by FICO that a collection was added to my credit report. I checked the notification, and the collection agency said on my credit report that I owe {$190.00}. Called them out about the debt, they said I owed XXXX XXXX XXXX {$190.00}. And they wanted me to pay the debt. I paid the debt on my credit card. Afterwards, I called XXXX XXXX XXXX they were UNABLE to find the debt that Sunrise Credit Service said that I owed XXXX XXXX XXXX I was told by XXXX XXXX XXXX that I have XXXX balance with them. This company has dropped my credit score almost 50 points. Don't give this company any money. This is scamming people taking their hard earned money, and destroying consumers credit. This company had all my personal information. This company is a SCAM!

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 2021-07-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I received an email stating my Citibank account was blocked due to " unusual account activity ''. Immediately, I called their Fraud Prevention Department XXXX XXXX option XXXX ). According to Citibank, my account was blocked due to inconsistent customer address and check address. 

My wife and I had recently moved from XXXX to XXXX after she accepted a XXXX  position in a hospital near XXXX. Hence, her payroll check showed a new address in XXXX  and not our original address in XXXX. We had not updated our address to XXXX  before depositing this payroll check. 

In order to unlock my account, Citibank asked me to mail in my address verification documents to an address in XXXX  ( Account Name, Account #, my rental agreement and utility bill were sent to Deposit Risk / XXXX, XXXX XXXX  XXXX XXXX XXXX TX XXXX ). Documents were mailed because there are no Citibank branches in XXXX. 

On the same day, I mailed my documents via USPS and later called Citibank in the following days to follow-up. Citibank claims they never received it. Since I did not have a tracking #, I went to XXXX on XX/XX/2021 and mailed another set of documents to the same address as above. The second set of documents were delivered by XXXX the next day on XX/XX/2021 ( can be verified on XXXX website ). 

Since the delivery, I have called 3 times to follow-up XXXX XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX. Citibank still claims to have not received my documents. 

- Citibank has refused to escalate my case. 
- Citibank has refused to assign a designated person to my case. 
- Citibank has refused to receive my documents via email even though the documents I sent in the mail are not original documents ( rental agreement and utility bill are scanned documents ).

- Citibank could have easily verified my wife is a XXXX XXXX with the state of XXXX, and easily understood that receiving a payroll check from a local hospital is reasonable. THIS IS NOT FRAUD. 
- Citibank has withheld my money for over 1 month and has not offered any additional assistance.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I opened up my celerity credit report and found that my address, Number and name were incorrect

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 2018-12-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am beyond exhausted with all of my efforts to have an outdated, closed and inactive account for more than 10 years, removed from my credit report. I closed my XXXX account in XX/XX/2007. XXXX went Bankrupt. Iit was acquired by XXXX XXXX XXXX and was later acquired by XXXX XXXX in XX/XX/2013. The account was acquired closed and inactive without legal notification of their acqusition. For the past 11 years, the reporting of this account has continued, without any data. XXXX has refused to delete an outdated account ( by their own rules and regulations ). XXXX XXXX clearly does not know the meaning of delete. XXXX XXXX, in error, has updated the account, claim that it is reporting it correctly and has claimed to stop reporting it. All they need to do is to delete the outdated account from my credit reports. Under the Fair Credit Reporting Act, I have a right to have outdated information removed from my credit report. Why has it been so difficult for XXXX to delete an account that they failed to provide legal notice of their acquisition, acquired a closed, inactive account on which there has been no data to report and after several certified return receipt requested communications, they still will not delete the account. There has also been numerous communications with XXXX and this issue has become a tennis match. XXXX sends you back to XXXX XXXX and XXXX XXXX sends you back to XXXX. Enough of the madness. I wish to have an outdated, closed, inactive account deleted from my credit reports. Why is this so difficult?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day

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 2019-08-02
Company: AMERICAN EXPRESS COMPANY
State: IL
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 multiple occasions I have been preapproved for a new account by American Express. I have gone through there tool to see if they preapprove me for any of there products. I get special customized offers generally with higher signup bonuses than advertised for some products. Yet when I accept the pre-approval I get an instant denial because I am on their black list on a couple of accounts totaling about {$3000.00} worth of balances included in a bankruptcy from 8.5+ years ago that I believe were primarily derived from authorized users purchases that I at the time of filing for bankruptcy requested that American Express reaffirm, so that they would be paid in full and I would still have a charge card with them. American Express refused to reaffirm and charged off the balance. 

I have called multiple times to find out when I will be removed from there black list, or be able to become a card holder again as I have seen on many credit foreums that they have been getting more lenient with people who have had past bankruptcy discharge that included American Express. I have been told not until I pay the {$3000.00} back which to me does not seem fair as they have approved people who have discharged far more than {$3000.00} and have approved the, for substantial credit lines on there revolving cards, and I am currently only looking at there pay in full monthly card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: OH
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 went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX accurate put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work XXXX was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
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: Account information incorrect

Complaint:
XXXX - XXXX  XXXX XXXX XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in XXXX and TRANSUNION, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX  60 days past due. and then XXXX XXXX, 30 days past due.

TRANSUNION : TRANSUNION shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. TRANSUNION shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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:
The creditor conducted this inquiry without proper authorization!

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