BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
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:
I opened my spam folder to find an email from XXXX XXXX ( XXXX XXXX ) stating that due to a new login system in which customers were required to use, they were going to restore credit history prior to XX/XX/XXXX. Prior to XX/XX/XXXX I NEVER missed a payment. After I had to create a new login for auto payment, I have NEVER missed a payment and paid in full. My account status should be -- PAYED AS AGREED. NEVER LATE. The late credit reporting ( XX/XX/XXXX- XXXX and XX/XX/XXXXXXXX ) need to be removed ASAP. I was told they would be removed. Over a month ago, I sent USPS certified letters to XXXX XXXX and they have yet to do what they promised. This is negatively effecting my credit. I have sent disputed WITH proof yet NOTHING has been done. 

Attached is the email promising to restore my credit, an certified letter to the CB and certified letter to 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 explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a car in XXXX through XXXX XXXX XXXX ; in XXXX XXXX Michigan, For 4 years the lease was up in XXXX of XXXX. 
When I turned the car in, they reported on my credit that I owed money, which was not true. The car had a device on it which shuts the car off if I was a couple days late, I was in an agreement to pay the note every week, so it was no way possible I was able to drive to turn a car in that I allegedly owed a balance on. However I hired a lawyer because they attempted to sue me for a balance I didnt owe. I showed receipts and my lawyers got the case dismissed. They were suppose to just update the account, but instead they deleted the account, so now it looks like I never had a leased vehicle. I want my credit history placed back on my account correctly, i worked hard to pay that car off for 4 years only for this consonant to rob me of that history, I believe this is retaliation.

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 2021-09-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.

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 2019-10-09
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MED DATA SYS XXXX MED DATA SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MED DATA SYS XXXX MED DATA SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-11-21
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bought XXXX Vanilla XXXX and when I tried to use them at the store and got a message saying " XXXX Encryption failed ''. It seems to be another magnetic stripe problem. Why doesn't XXXX just have stores sell the variable/ high value gift cards from behined the counter / register so that they cant be tampered with?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked the two credit report agencies, Transunion and XXXX to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX appearing on my credit file. I asked them to furnish me with a contract or agreement bearing my signature to help me determine if this account is fraudulent. They have not provided me with this information. 

Transunion and XXXX did not investigate this this account. These agencies stamped the dispute as accurate with no proof to support their opinion.

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 2022-06-10
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company XXXX XXXX XXXX is now reported it as a XXXX XXXX XXXX XXXXT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter

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 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: PA
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 explanation
Consumer complaint received 2023-10-28
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:
UPON ME REVIEWING MY CREDIT REPORTS I SAW THESE NEGAITVE ITEMS

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...

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 2023-06-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, a thief : ( 1 ) fraudulently accessed my Wells Fargo online accounts by using an unauthorized and unknown device, ( 2 ) enrolled my account into online wire transfers, and ( 3 ) fraudulently transferred by wire all of the available money from each account ( checking, savings and brokerage ), {$22000.00} in total. More specifically, once the thief accessed my online account, the thief made an unauthorized electronic fund transfer in the amount of {$9000.00} from my brokerage account to my checking account. Then, the thief fraudulently transferred by wire the {$9000.00} to another bank. The thief also made an unauthorized electronic fund transfer from my savings to my checking and then fraudulently transferred by wire the entire balance of {$13000.00}. This fraud was reported in real time to Wells Fargo, by both myself and my wife, within minutes of the fraudulent transactions. Despite real time notice of the fraud, Wells Fargo failed to : ( 1 ) recover the fraudulent transfers ; ( 2 ) failed to conduct an adequate investigation ; ( 3 ) failed to have adequate safeguards to identify, monitor and detect fraud despite its commitment to do so ; ( 4 ) open a Regulation E investigation despite its legal requirement to do so. Instead of complying with its legal duties, Wells Fargo simply blamed me without any adequate investigation and declined to return the stolen {$22000.00}. Please see that attached letter to Wells Fargo which goes into more detail.

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 2022-08-15
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. File # XXXX, has 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are late payments for account -XXXX XXXX XXXX ( XX/XX/2020 ) -XXXX # XXXX ( XX/XX/2020 ). I had some issues with my income being affected by the XXXX PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

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 2022-02-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES and XXXX are the same entity. When you go to the XXXX website you learn that it operates part of its national business as AES, meaning that it is in part one legal entity. However XXXX  practice of managing its loan accounts confuses one to believe that another entity is owed the alleged debt. The FCRA and FDCPA protects consumers against these kind of reporting practices. 
AES/XXXX  transferred this alleged debt to XXXX in XX/XX/XXXX. Then on the same date XXXX closed the account and sold the alleged debt to a third party, XXXX XXXX XXXX XXXX did this without attempting to contact the account owner first to notify their acquisition and/collect on the alleged debt. XXXX XXXX XXXX did not report the debt to the credit bureaus, but did send notification of their acquisition and did attempt to collect the debt. From XX/XX/XXXX until XX/XX/XXXX, XXXX XXXX XXXX was the owner of these alleged debts. In XX/XX/XXXX XXXX reacquired the alleged debt from the third party after I disputed XXXX  right to report an alleged debt they did not own, with all credit bureaus. XXXX found validity in my dispute and removed XXXX  listings from my XXXX credit report for FCRA and FDCPA violations. 
XXXX did not reassume responsibly for the alleged debt from XXXX XXXX XXXX until XXXX XXXX ; however, they reported these alleged debts to all credit bureaus as owed to them for XXXX ( XXXX ) months after selling the debt to a third party in XX/XX/XXXX after first acquiring the alleged debt from AESXXXX. XXXX also attempted to collect this alleged debt in direct violation with the U.S. Education Departments COVID-19 Emergency Relief guidelines currently active until the end of XXXX. During the same timeframe XXXX XXXX XXXX was also attempting to collect this same alleged debt which could have resulted in double enrichment for XXXX, which is a violation of FCRA and FDCPA consumer protections. 
The original debt amount listed by XXXX differs from the original debt amount reported by the original creditor AESXXXX. I have attempted to validate the allege debts owed to creditor XXXX and AES to no avail. When I go to the XXXX website to login to this account, I am redirected by XXXX to AES in order to review and manage this allege debt owned by creditor XXXX. Once logged on to this account I see that I have a XXXX ( XXXX ) dollar balance, nothing is owed on this account, and the creditor has deleted all payment & billing statements from their system for the the alleged debt with both creditors XXXX and AES under the account. Both creditors are intentionally preventing me from being able to validate the information they are reporting to the credit bureaus which is a violation of FCRA and FDCPA consumer protections.

Company response to consumer: Closed with explanation