BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
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: Old information reappears or never goes away

Complaint:
I appleid for a credit card. It was approved. Then came the letter stating a high interest would be charged do to a XXXX score from Transuion. I have a XXXX XXXX account and have acess to my score and credit information about my past. I believe this to be accurate. My score was in the low 800 's at the time of this credit card application filing according to XXXX XXXX. Now it is in the high 700 's. I tried to call and emailed Transuion. There is no option to leave a number for return call. No one aswered the two calls I made one durring east coast buiness hours. 
I have not heard back from the email. I dont expect to. I asked for them to fix my report or send me the docs to fix my report and contact info of the most senior customer service employee so I could contact them. 
As a side note I am sending XXXX XXXX  a certified letter asking them to explain why they used that socre. Why they use Transuion at all and why they ran my credit score twice. I had applied for this card once before a coupla months ago they sent a letter said there was a problem. I called them and they refused to discuss it over the phone and said they could send me some paperwork. I said no ; and dont run my app if there is a problem. They ran it anyway. The second time ( this time ) they ran it and approved on the spot. Then a week later sent me a letter stating the interest will be extra high becuse of my Transuion score. Good news my card is on its way. I dont want a maxed out interest rate card. That does me no good and I wont use it. If I cancell it ; it will damage my score on the service I keep track of ; the one that updates correctly. Between a shady card company and transunion I will probably end up with a XXXX score instead of the XXXX I have earned. XXXX XXXX with transusion ... seriousl XXXX points diff form a far more accurate score?

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX Funding XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.

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 2022-09-12
Company: Kriya Capital, LLC
State: DE
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  keeps using my XXXX Credit report to try to use new collection agencies ( Credence Resource Mana @ XXXX XXXX XXXX XXXX XXXX XXXX, Texas to now try to say that I owe {$610.00} to XXXX XXXX XXXX. Number 1, XXXX & XXXX was removed Before with BOGUS collection agencies to try to scam both my husband and Myself and they were Unsuccessful. XXXX XXXX XXXX caused my credit score to drop XXXX points this time ( I have a string feeling it's for the Auto insurance industry to try to get my Premium up which it's not happening, they never like it when you keep doing great!!! ) So, I want you to Have Credence Resource Mana to Remove this Bogus Account immediately from my Credit Report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There were disputes that were filed with transunion, and both disputes were valid, the items reported by the creditor were in violation of the fair credit reporting act, violations for re insertions, and past statute of limitations fcra violations, the XXXX XXXX XXXX XXXX account was removed, and then re inserted 2 months later after disputed, deemed innacurate, and deleted, how transunion allowed the creditor to re insert the debt back on my credit is beyond me,. Transunion has also violated the statute limitations with the FCRA, they have been reporting a delinquent account past the statute of limitations of 7 yrs, they have also reported this account for 8 going on 9 yrs already, this is getting ridiculous, transunion is also being dishonest about not receiving any documents from the Consumer Financial Protection Bureau, I feel this is a tactic they are using in order to not remove the items, they are claiming they didn't receive the supporting paperwork, but when I contact the CFPB, the CFPB let 's me know that they did send the paperwork, there is alot of illegal stuff going on with transunion, and they are about to get sued drastically, Transunion needs to delete these items, it is no longer up to the creditor, it is on transunion to report accurately, and follow the FCRA which was created to govern the bureaus, from innacurate credit reporting,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: SC
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:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove. 

I am also attaching a copy of my FTC report that I filed as well for Identity theft.

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 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I usually pay off my entire account balance with American Express monthly before the closing date. Last month in XXXX, at the closing date, I was charged my yearly fee along with my spouse 's account, totaling {$870.00}, and the statement closed. Then, for this current month of XXXX, I proceeded to pay off the balance again for the month, bringing the account to {$0.00} like I usually do. On my current statement, I now have a finance charge of {$290.00} and called because I thought the charge was excessive. My annual APR interest rate is XXXX XXXX. I thought since the statement closed with a balance of {$870.00}, at most, I would pay the monthly interest charge of about {$20.00}. I called American Express, and I was told that if I failed to pay off the prior month 's statement balance due by the due date, I would be charged interest, not the statement balance of the prior month ( {$870.00} ) ; rather, I would pay interest on the balance on the day the payment due, not the closing date. I have never had this happen. I am accustomed to paying interest on the balance the statement closes on. In other words, I was charged interest on the balance of {$12000.00}, the balance I had on the day payment was due, again, not the closing date. Is this customary? None of my other credit cards do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Problem with personal statement of dispute

Complaint:
previously distributed XXXX  XXXX account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for FCR bye XXXX  while Trans Union report dispute result reported by grantor, I strongly disagree with investigation results. XXXX  XXXX  continues to report factually incorrectly. previously account reported payment history with XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with XXXX and XX/XX/XXXX with XXXX and Transunion. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on 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 2022-09-28
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 was a victim of idnetiy theft and multiple accounts and inquires were opened up in my name. I reached out to the bureaus and companies and there was no change. the dates of the inquires are.. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2022-11-21
Company: EQUIFAX, INC.
State: IA
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: Problem with personal statement of dispute

Complaint:
previously distributed XXXX XXXXXXXX account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for FCR bye XXXX  while XXXX XXXX report dispute result reported by grantor, I strongly disagree with investigation results. Capital one continues to report factually incorrectly. previously account reported payment history with XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with Equifax and XX/XX/XXXX with XXXX and XXXX. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$790.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$730.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX*Balance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$2100.00} XXXX XXXX*Balance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}

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 2023-03-01
Company: Experian Information Solutions Inc.
State: IN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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 update them immediately in my report : 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 2023-03-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been lied to about my credit score. XXXX XXXX has me down as a XXXX credit score, when Experian says totally different. They have me as a XXXX credit score. Also there is inaccurate account information that needs to be removed in regards to a debt that has already been paid.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: FL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
Hello on XX/XX/23 i paid Convergent Outsourcing , Inc . {$250.00} for a past due XXXX XXXXThe Convergent agent told me on a recorded phone call that when i paid {$250.00} that they would delete the collection from my credit report in about 45 days.The collection was never deleted.Can you guys some how verify what iam saying because we were on a recorded call.

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