BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
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:
After I filed a dispute ( online ) with Trans Union on XX/XX/2021, for some reason account information on all of my accounts would not properly update. The dispute was closed on XX/XX/2021. During this time, my XXXX, XXXX XXXX, and XXXX  accounts were updated on XXXX  and XXXX  with no problems. 

I called Trans Union twice and nothing was done. 

XXXX said they would do an off cycle update- they did on Monday. XXXX  and Equifax were promptly updated ' Trans Union did not. 

Thus, Trans Union reflects account information from XXXX. If my accounts were properly updated, my credit score would increase like my XXXX  and XXXX  scores per recent account pay offs. Moreover, Trans Union is the most oft used credit report and this problem can lead to credit denials and/or higher interest rates. 

Simply put, I want Trans Union to fix whatever is causing this and to properly update my account information/balances on a monthly basis.

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 2017-01-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had numerous problems with Navient since I began repaying my student loans. Navient is my servicer for the Parent PLUS loans my mother took out to help me pay for college, so although she is the account holder, we agreed that I would be paying the loans back. It is my back account set up for auto-debit, and I have had the majority of customer service interactions with them. At every step of the process, they have made an already XXXX experience so much worse by being unreliable. They have applied payments incorrectly many times, despite written and verbal instructions on how I 'd like them applied-they have applied them to the wrong loan, or spread them out between all my loans, or even applied them to my brothers ' loans which are currently in deferment. After this happened the first time, I learned that Navient could not be trusted, and began monitoring my account very carefully, which is how I caught the other errors. Then, every time my mother or I call with a question about the account, we get a completely different answer depending on who we speak with. Every time we 've been told someone would look into something and follow up with us, no one has. A few weeks ago, I called and said that I 'd like to share the extremely frustrating experience I 'd had, and they said there was no way to do that. I asked what that meant, and they said the only way would be to file a complaint. I said I would like to do so. They then said they would look for a manager, put me on hold, came back and said no one was available. I asked if someone could call me back, they said ok and tried to hang up without taking my contact information. I provided it, but it has been several weeks and I have not heard back from anyone at Navient. I have made an enormous effort to stay ahead of my student loans by always paying on time, and making extra payments, and I can not express how disappointed and frustrated I am with Navient. I feel that they are completely incompetent, and I do not trust them with my loans or with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED DUE TO XXXX, TRANSUNION, XXXX XXXX BREACHES. I HAVE INACCURATE DETAILS AND UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT. I HAVE MADE SEVERAL ATTEMPTS DISPUTING THE INACCURATE INFORMATION AND ASKED FOR A SWORN TESTIMONY OF METHOD OF VERIFICATION AND HAVE NOT RECEIVED THAT. I STILL HAVE YET TO RECEIVE REMEDY FOR THE INACCURATE DATA FURNISHED ON MY CREDIT REPORT. THERE HAVE BEEN MULTIPLE VIOLATIONS PER THE FAIR CREDIT REPORTING ACT. NOW I HAVE NO OTHER CHOICE BUT TO TAKE IT 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation.

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX Account # XXXX ( 9 Violations ) XXXX XXXX XXXX Account # XXXX ( 8 Violations ) XXXX- Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )

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 2019-10-19
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment in XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX a company that is being dissolved on XX/XX/2022, has no one in their offices that can handle any disputes because it is basically going out of business. My issues as it stands is, I had a defaulted student loan, which I have now rehabilitated and is now with a new servicers XXXX. The US Department of education has fixed or removed all bad reportings on my credit reports, except for XXXX XXXX my original servicers who told me that once I rehabilitated my defaulted student loan that the account would either be removed from all three Credit Bureaus or reflect a good standing, so that I would be eligible for applying for student loans again. When I applied for student loan financing through XXXX XXXX is how I discovered that XXXX XXXX still wasn't reflecting a good standing like the other Servicers. As of XXXX XXXX, of XXXX  they Removed the XXXX XXXX Account from XXXX, and XXXX, but they have not removed the account from Transunion. See Attached.

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 2019-10-19
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am currently applying for mortgage pre-approvals from various lenders. When provided the credit inquiries my Transunion report/score was significantly lower than the other bureaus. After speaking with Transunion the reason was because a collections agency filled a collection for my information/name and that was showing up in my report hurting my credit score. I was able to find the inaccurate information filed was from " XXXX XXXXXXXX XXXX. '' Transunion provided a number to reach them ( XXXX ) but that was incorrect and just connected me with a different agency. Finally Transunion agreed in their dispute that the information filed by XXXX XXXX XXXX was inaccurate so it was removed from my account. I'm glad we have this sorted out now however this should not have been an issue to begin with and I see 2 parties at fault. 1st and foremost XXXX XXXX XXXX should not have any information pertaining to me and absolutely should never have filed a collection that is tied to me in any scenario. This is absurd and unacceptable. After a brief XXXX search it appears this is a common issue for this company and multiple people suffer from the same situation I found myself in. Please look into this and stop this from harming other people/families. Second, being a credit bureau holds a lot of weight and responsibility. Everyone knows the weight and significance a poor or inaccurate credit score can have on a family and/or someones financial future. For Gods sake that could mean a family not getting a home or a dad not getting a job! 
Transunion should be held to a higher standard and it's ridiculous that this could happen and it's on me the consumer to see the error and to dispute it and just wait around for Transunion to fix their mistake. It's obvious the bureaus are a broken system and the idea of companies just " absorbing '' credit information with what seems like very little vetting .... ( I mentioned I'm not the only one this company has hurt credit wise ) is something that should be re-examined and hopefully fixed. With something as important and our credit scores it should NOT be up to me the victim to see the error and reach out to transunion to fix. Fortunately I was able to see it but imagine the hundreds or thousands of people that don't check their credit regularly OR don't realize a 50-100pt ding to their credit score so they don't even reach out. Without question both XXXX XXXX XXXX and Transunion need to be investigated and a solution needs to be created so the victims of both stop with me. Please help!

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 2022-01-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my account. I pay fees {$500.00} every year for this card, now all my benefits are gone. 

I depend on this card. I would like it reinstated and I would like my benefits for 2021 : {$250.00} airline credit {$250.00} hotel resort fee free 1 night hilton free airline lounge access

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: U.S. BANCORP
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX, XXXX XXXX, ACCOUNT NUMBER XXXX. 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING DEPT OF ED/XXXX, ACCOUNT NUMBER 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my 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 2023-06-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland credit obtained a debt from another credit company! Midland credit management also has obtained my social security and other personal information of me and is posting it online the debt from midland is account number XXXX! My debt was sold and personal information with out my written permission or knowledge In accordance with the fair credit report act, conversion act has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c section 604A section 2 it also state consumer reporting agency can not furnish a account without written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX XXXX - misreporting on Experian, XXXX, XXXX XXXX XXXX XXXX XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and Experian ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is trying to bill me for another persons account. I phoned the company and tried to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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