BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
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:
I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have reached out XXXX, Transunion, and XXXX on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matter. ( XXXX, XXXX, XXXX, XXXX ) Here are a list of inquires that were not authorized 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 Transunion : XX/XX/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

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a pretty savvy consumer and already knew what my credit score was in XX/XX/2018 because I just bought my daughter a car in XX/XX/2018 and saw my scores at the dealership. Transunion has been billing me XXXX a month for a credit monitoring service since XX/XX/2018 but it has been buried in my XXXX bill and I just noticed it. I disputed the charges but they can only dispute 60 days, I called Transunion and asked how I got signed up for this 'deal ' and they said I signed up for a trial offer for XXXX and didn't cancel ... again, I had no need to check my credit scores at that time so I believe this is fraud. They also claim I used my work address and I never use that address for any personal commercial business because XXXX flags that activity ( screen shot attached ) I have cancelled but I believe I should be refunded all of my money : 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 monetary relief
Consumer complaint received 2023-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
1 am not liable for this debt with XXXX XXXX and XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MN
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:
I am not liable for this debt with XXXX XXXX XXXX XXXX XX/XX/2023. I do not have a contract with the XXXX XXXXXXXX XXXX account, they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AZ
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  account number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681, section 602 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b a creditor may not treat, a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 : XXXXXXXX XXXX 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, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX 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. 

XXXXXXXX XXXX XXXX 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. 

XXXXXXXX XXXX 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 2023-08-13
Company: EQUIFAX, INC.
State: NJ
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: CITIZENS FINANCIAL GROUP, 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:
During the Covid pandemic, loss of income had occurred and making payments were becoming difficult. On XX/XX/2023 I had changed banks and forgot that autopay was still occurring for my Citizens One Loan. After not realizing that a payment for XX/XX/2023 was never made, I quickly made a payment XX/XX/2023 soon as I found out. At this time Citizens had already flagged my account as 30 days past due late and my credit score had dropped over 100 points. This incident has been the only time I have been late on any payments. It was an honest mistake and now Im struggling to improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for public service loan forgiveness under the Temporary Expanded Public Service Loan Forgiveness waiver. I have been employed in the public-sector for over 10 years, making on-time and in-full payments the entire time. My loans were transferred to MOHELA and my employers have been certified, unfortunately only the payments made during the covid forbearance are currently considered eligible. The other payments are showing No bill was due for this period, which is blatantly false. I have since been told this is because my Temporary Expanded Public Service Loan Forgiveness ( XXXX ) counts have not been added, but this contradicts the information I am seeing on my account ( which is demonstratably inaccurate ) and I'm not confident the servicer has any record of my payment history. 

I have been assured the payments should and will be counted but I have been hearing misinformation for the entirety of the 10 years Ive been in public service. This has been well documented ( https : XXXX ) and I have fallen victim to misleading claims throughout the entirety of this process. 

I am collecting my bank statements that demonstrate all my payments to XXXX in preparation to dispute this and have been told that all the payments will be counted. This entire process has been mired with gotchas that inevitably benefit the lender. I am simply trying to claim what Im owed and have diligently worked for for over a decade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a computer programmer and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

XXXX is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took XXXX months to drop the stupid service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. XXXX XXXX and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership XXXX probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an unusually large bill this month ( {$17000.00} ) and made an early payment in order to avoid any fees. I called several times to cancel my autopay and was told that it would automatically cancel out and not hit my account. I called back a 2nd and 3rd time and was told that the payment was processing and that they couldn't stop it but would be able to issue an immediate refund once it posted. 

A second ( overpayment ) draft of {$17000.00} hit my checking account several days later and I called to request a refund. They processed the refund but told me that the refund would take 17 days. I asked them to escalate/expedite the refund but they told me that they would not do so. My mortgage and other bills are now in danger of being paid late because of their mistake, misinformation and delay in refunding my overpayment. No one in their customer service department seems to care about helping their customers.

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 2023-08-13
Company: EQUIFAX, INC.
State: IL
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, Equifax, and XXXX continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card Credit line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Equifax are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. XXXX is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
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:
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. 

Account Name : XXXX Account Number:XXXX 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 2023-08-13
Company: TD BANK US HOLDING COMPANY
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXX XXXX  Account # XXXX Date Opened : 2 DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXX on Transunion XXXX But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with 2 Different Dates. 

Date of Last Activity : XXXX DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXX BANK IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX , A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH 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 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- 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 2023-08-13
Company: LTD Financial Services, L.P.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a letter from LTD Financial Services stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX XXXX for the amount of XXXX. 

I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : XXXX XXXX XXXX. This letter asked for all possible verifying information on my debt. I sent this letter to LTD Financial Services through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.

Company response to consumer: Closed with explanation