BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Have a freeze on credit report, checked on score for a loan. Credit report states there was a account opened on XX/XX/XXXX and first delinquent on XX/XX/XXXX, inaccurate information from a financial institution I disputed on XXXX with all 3 credit bureaus XXXX, Transunion, and XXXX and also disputed over the phone with Transunion. Reminded them about the freeze. Tried to add to my dispute that an inquiry was done also from a banking institution for a credit card on XX/XX/XXXX and XXXX online on all 3 credit websites was refused access so I called each one still no response, would answer the phone but no response. I wrote all 3 agencies an Investigation and Verification Letter and put it on the Consumer Statement Page asking for verification again that this account was opened on XX/XX/XXXX or Delete this account from my credit report., my request was not answered. I asked for verification or delete this from my credit report. Thank you for your time.

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 2015-09-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they XXXX XXXX XXXX XXXX. They have just started calling me this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: MD
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 do not have precise dates of communications between myself and Equifax, as I did not realize this was going to become such a problem. 

In Spring of XX/XX/2018, I received an unprompted letter stating that my current address has been changed. They stated that my new address was my previous address. This was inaccurate and I had not requested the change. 

I called Equifax to inform them that they had erroneously changed my address to an old address. I spent 30 minutes verifying my identity. The woman on the phone wanted every credit card balance I had and every mortgage payment amount ( I am in investor so I have quite a few ). This required me to log into various accounts to get this information. After she verified my identity, she said, " Please mail a copy of your driver 's license and social security card to <XXXX XXXX> with a cover letter stating the change you are requesting. '' This was a bit irritating, as I had already told her what I wanted, and wondered why she couldn't just take care of it, but I didn't say anything to her about it and did as I was told. 

I considered the matter done. Until I got a letter in the mail stating " The identification you provided does not match our records ... Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number.. '' That's what I had ALREADY DONE. 

On XX/XX/2018, I sent another letter with my driver 's license and social security card. This time I enlarged both documents to take up an entire page and included the original cover letter. I also added a note that said, " This is the third hoop I have had to jump through to fix your mistake. I did NOT request that my address be reverted to my previous address. If you do not change it back then I will submit a complaint to the CFPB. I am taking no further action on this. Fix your mistake. I am done. I hope these documents are big enough for you to read this time. '' Again I considered the matter closed. However, I received another letter dated XX/XX/XXXX from Equifax. It was the exact same letter, requesting my driver 's license and social security card. I have not been able to reach them by phone because they want some claim or file number and I have no idea what that is. 

At any rate, I want to shift the burden from myself to them. Their system made an error and they should put the burden on themselves to fix it, not on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2022-11-21
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Theyve locked me out of my storage wallet that I own in my name and my funds sound not be used to satisfy secured creditors if bankruptcy comes. These are my personal funds and belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  XXXX ) account, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-07-25
Company: Higher Level Processing
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I got your information on the Federal Student Loan site. I saw information that stated you shouldn't be paying another party for servicing your loan so I clicked and was taken here. I don't think the problem is with the school, it's with the party that contacted me about having my loans transferred to XXXX XXXX from XXXX and then I would pay them a fee of {$29.00} a month. 

The company is XXXX XXXX XXXX XXXX based out of California. Please let me no what I can provide. If this is a scam, I'd like to get out of it. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I had lost my purse which had my phone and debit cards. When I had gotten a new phone a few weeks later I had seen that there was an atm withdraw and a XXXX payment sent for over {$2400.00} which the same day I had received my tax refund for {$2700.00}. 
I made reports to my bank which is chime. I had explained everything. I even ordered new bank cards and my claim was instantly denied. 
My ENTIRE tax refund was stolen and have had no help to retrieve it. 
I also requested to know why my claim was even denied and have gotten nothing back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, This debt amount was XXXX for a bill I didn't owe. My ex spouse opened this account. I reached out to the debt collector ERC-charter on XXXX to settle the debt and get it removed from credit report. Rep. Offered me a settlement amount if made in 1 payment of XXXX I agreed to settle this debt in single payment if it would be removed from my credit report and be a settled debt. XXXX was charged to my credit card on XXXX and a payment was received by ERC. On XX/XX/2022 a letter was sent to me by mail stating they received my payment of XXXX on XXXX and that I had a remaining balance of XXXX that was still due. It states please make a payment towards my remaining balance that's owed to settle my debt and lists all the ways to pay them. I am a little concerned because this is not the agreement that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a Federal Student loan with XXXX XXXX from 21 years ago. 
Navient obtained it and is now incorrectly reporting the loan as XXXX loans on on my credit report. XXXX loan is for the original loan amount with several months reporting late, which is incorrect. This loan shows closed, while a XXXX loan shows open as of recent for almost double the the amount of the original loan. I have sent a dispute letter to Navient for for the incorrect reporting and they have not only not acknowledged my dispute, but are continually reporting the inaccurate information. 
I waited a full 30 days and sent a second dispute letter, once again requesting proof of what they are reporting and still no response and still reporting these inaccuracies to the credit bureaus. Not once have I received acknowledgement from Navient on my request for information. They have not marked my account as being disputed with any of the credit bureaus. It has been over 90 days and by law they 're required to mark my account disputed with in 30 days.

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

Complaint:
I sent a letter to TransUnion disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for TransUnion to comply with 30 day investigation law. I would like these erroneous accounts deleted.

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 2018-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Chapter XXXX bankruptcy filed XX/XX/XXXX. Kohls/capital one has inaccurately reported this account to XXXX on multiple occasions, initially not reflecting the Chapter XXXX at all. Most recently, it reflected the Chapter XXXX filed in XX/XX/XXXX, instead if XX/XX/XXXX and reported a failure to pay in XX/XX/XXXX which caused my missed payment to be reflected inaccurately. I opened a dispute with XXXX XX/XX/XXXX stating the chapter XXXX date should be updated to reflect correctly of XXXX and that the missed payment from XX/XX/XXXX should also be removed. I received the dispute was completed XX/XX/XXXX and that it was updated. Yet this creditor reported ANOTHER missed payment in XX/XX/XXXX causing my FICO score with XXXX to drop 20+ points as this is the only event that has happened which would negatively impact my score. 

I have attempted to contact this creditor MULTIPLE times to just report the information accurately, I get mocked each time i call, and unable to speak to their 'bankruptcy department '. 

I have attempted to explain this information to XXXX   reflecting the facts andvtheyvjust kick it to the creditor to update who keeps inaccurately and falsely reporting missed payments which are negateively impacting my FICO scores that I sn trying to rebuild from after facing an unfortunate situation. My XXXX FICO score is approximately 45 points lower than my XXXX and XXXX scores and solely based on the way Kohls/capital one is reporting my closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I have sent the correct paperwork per the FCRA to the credit reporting agencies and they are not attaching the paperwork to the disputes to correct my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX I have not gotten any copies of the verification process per the FCRA like Im supposed to.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a follow up to my recent CFPB Complaint I submitted requesting that immediate removal of the fraudulent accounts and information being reported on my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and deletion of these suspicious accounts and information. I believe that the Credit Bureaus have not yet validated these items in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and FCRA section 605b. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items mnust be investigated thoroughly and removed from my Credit 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 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 XXXXXX/XX/XXXX. Kindly send me a copy of your analyses and investigation the moment you finish tour investigation. If you can not prove that the disputed items are indeed accurate and valid, immediately remove the disputed items off of my Credit File as soon as possible.

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 2018-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have unknown accounts that are reporting to my credit report. Please refer to attachment for details.

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: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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, XXXX and Experian 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 60 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 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