BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX  {$0.00}, XXXX XXXX Balance XXXX {$0.00}, 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 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have pervious addresses that are not mine I never lived there see letter 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$950.00}

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 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with B of A in XXXX. I had XXXX checking accounts and XXXX savings account. On XX/XX/XXXX i took a check in the amount of XXXX which was issued to me by XXXX XXXX for a claim resulting from an accident to the bank to deposit, It was endorsed by myself and my finance company with a signature guarantee. I deposited it at the counter with the teller and was advised the funds would be available the next business day ( XX/XX/XXXX ). My deposit slip cited the same info, however the next morning the bank had extended the hold to 10 days which meant i would not have access to the funds until XX/XX/XXXX. 
On XX/XX/XXXX i was attempting to access my account online and could not do so. I contacted customer service who told me my account was pending closure. No explanation, no options to access my money. Mind you this is money for car repairs and the check had already cleared days earlier ( per XXXX ) I had a number of payments set to be made on the XXXX pending that deposit that subsequently went unpaid including my car note as a result of this random account closure. I went into the same branch i had deposited the check and the teller adv me to call cust service and ask them to release the available funds. There are no outstanding payments due on the account to justify a hold on my money. The person i spoke with regarding my deposit was rude and said i could not access the money, and that it may be another month before that the closure was final and my funds dispersed to me... depending if they had to cover additional charges. This violates my right to access the funds on the day promised and has thrown me into financial duress with my vehicle now under threat of repossession, and my rent payment bouncing. They have offered no recourse and have left me in dire straits. They have also not cited any cause nor even advised me of the account closure. I had to figure it out on my own.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, 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 please 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 2022-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and XXXX Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
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:
Inquiries are being furnished on my consumer report that I did not authorize nor consent too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: RI
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 # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: RI
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 # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NY
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 reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First and foremost, I am a victim of identity of theft. There have been a multitude of accounts with various companies opened in my name and none of them were opened by me. When I received a letter from a company called XXXX XXXX XXXX XXXX in XXXX of this year stating that I had an outstanding balance of {$1600.00} owed for a XXXX account, I immediately contacted them to inform them that I was a victim of identity theft and that this account was not opened by myself and I was completely unaware of this bill. I have had XXXX since XX/XX/XXXX personally but I 've always paid my bill and never gone to collections. When I spoke to them I was informed there was an account opened XX/XX/XXXX and there were XXXX IPhones purchased. There was also a person with the name of XXXX XXXX that was an authorized person on this bill. If I were going to purchase a phone for someone I would 've added them to my bill rather than open a new account. It makes no since. When I informed them of the identity theft, I was told that they were going to do an investigation and get back with me on the outcome. Instead, XXXX is reporting on my credit report as of XX/XX/XXXX with an outstanding balance as well as they have sold the debt to a 3rd party as of XX/XX/XXXX according to the correspondence I received in the mail this week. I am not responsible for this debt. I have fraud alerts on my credit and I 've filed police reports and signed and notarized affidavits. This is rediculous that XXXX has reported the account without warning as I am in the process of purchasing a house and not only have they reported it, but they 've also sold it now to a collection agency.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 2017-12-12
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX XXXX credit monitoring shows the creditors reporting false info. on both charges paid on XXXX. 

1 ). 
XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX PAYMENTS XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal UNCATEGORIZED ( {$120.00} ) Notes : Comfirmation # XXXX Paid account # XXXX original amount XXXX per reduced agreement XXXX XXXX ). 
XXXX XXXX XXXX XXXX Purchase XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal Misc. Business Services ( {$81.00} ) Notes : Comfirmation # XXXX XXXX XXXX XXXX XXXX account through Diversified Consultants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX is repeatedly reporting a supposed debt inaccurately to my Experian credit report. I have reached out to them to have the account removed for violating the FRCA however they continue to confirm it's reporting correctly. Pursuant to 15 U.S.C. 1681-1681x companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information According to Discovers responses I have disputed this account on numerous occasions questioning the accuracy of the reporting. As of this day, my credit report does not have the following -Closed Date -Last Verified -Original Creditor According to the statements from XX/XX/XXXX to XX/XX/XXXX XXXX sent me, my last payment was made XX/XX/XXXX which is confirmed on my credit report. 

Late payment fee dates according to XXXX statement -XXXX XXXX XXXXXXXX ( 30 Days late ) -XXXX XXXX XXXXXXXX ( 60 Days late ) XXXX XXXX XXXX ( 90 Days late ) - XX/XX/XXXX ( 120 Days late ) - XX/XX/XXXX ( 150 Days late ) - XX/XX/XXXX ( 180 Days late ) - XX/XX/XXXX ( reported as charged off ) XXXX XXXX XXXX ( Account shown as closed ) Date of Last Activity is showing as XX/XX/XXXX. I am requesting again that XXXX send me documentation on what changes happened on XX/XX/XXXX to an account that was charged off in XXXX of XXXX, they have verified this repeatedly and if they can not show proof of activity I ask they please remove this account. 

I am requesting proof the account was opened on XX/XX/XXXX as stated on my credit report along with the contract that was signed. 

Furthermore this account was dismissed without prejudice by a federal judge in XXXX according to a written letter from XXXX. I am expecting a prompt response with the requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Premier Student Loan Center
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I signed up with Premier Student Loan to Pay on My loan and refinance it to a lower interest rate. They told me that they had paid off the bulk of it and that I only owed {$8000.00}. I paid {$30.00} per month for over a year and a half. Now they are out of business and I just got a bill for XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

The following Inquires are fraudulent 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 2022-06-02
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal failed to notify me when at its sole discretion, decided to place an additional holds on the XXXX checks that I deposited into my business account. On XX/XX/XXXX I deposited via the mobile app into my business account XXXX checks in the amounts of {$5700.00}, {$6100.00}, and {$7300.00}. Navy Federal emailed me XXXX separate emails regarding the XXXX deposits on XXXX on XXXX that I would receive funds within 2 business days. When I called that Friday evening to see why I hadn't received the funds I was told an additional hold had been placed. Due to the weekend and the XXXX XXXX XXXX I was unable to get someone from the business department on the telephone to get an answer on why this had occurred. No one could answer me why I wasn't notified and the actual branch manager that I spoke with in person on XX/XX/XXXX wouldn't acknowledge that Navy Federal made a mistake in failing to notify me of the change .Navy Federal did not communicate to me of any changes via email or through my portal. As of today XX/XX/XXXX I still have not received an actual email from Navy Federal stating the change to a 5 day business hold and can only go by what the different customer service reps have informed me. I was told on XX/XX/XXXX that funds would be released on Friday XX/XX/XXXX. Navy federal hasn't followed its own policy.I have tried to resolve this with Navy Federal and they have basically ignored me. I understand Navy Federal, at its sole discretion, may place an additional hold on any item for a reasonable period until the settlement of the item is deemed to be complete. However the failed to notify me of the delay to my ability to withdraw funds and they failed to notify me on when funds will be available. I am supposed to receive electronic communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief