BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

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 response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 accounts ( A ). It is not permitted to report these accounts 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

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: CT
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:
Ive sent multiple documents and made endless call to each of the three credit bureaus to resolve the matter and their just now requesting another FTC 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 explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I purchase a used vehicle XX/XX/2016 I was finance threw XXXX XXXX this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within XXXX miles so I reported this to my Finance company XXXX XXXX after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX  and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by Experian that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.

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 2018-12-20
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Financial applies credit card payments made after the XXXX of every month ( payment due date ), between XXXX and the XXXX of the next month, to the pervious months billing cycle even if there is no balance due from the previous month. This allows them to apply late fees and interest charges to payments made between the XXXX of the previous month to the XXXX of the next month ( when the statement cycle closes ). This is unethical and they are cheating consumers who are paying their credit card bill in good faith.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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. 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: In progress
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  has been reporting inaccurate information to TransUnion for months. Each time I dispute the account with TransUnion the account comes back verified as accurate and XXXX  updates the account status to something different. This account was never paid late, theres no past due balanced owed to XXXX. Ill attach a copy of my most recent dispute I sent to TransUnion on XX/XX/2023 so you can see all the discrepancies with this account. Ive tried to communicate with this company many times about this issue and its hard to do so because theres no customer support phone number, everything is handled via email and the times Ive communicated with them theyre basically refusing to correct the inaccurate information theyre reporting to the credit bureau 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 2023-11-25
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear XXXXXXXX XXXX XXXX XXXX  XXXX XXXX has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXXXXXX XXXX XXXX Account Balance : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: MO
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 am writing this letter as a follow-up to my initial complaint expressing my deep dissatisfaction and heightened frustration with the ongoing presence of fraudulent items on my credit report. Despite my earlier efforts to rectify this issue, the persistence of these inaccuracies is causing significant financial distress and emotional turmoil. 

My previous correspondence detailed the fraudulent items identified on my credit report, along with the supporting documentation and evidence substantiating my claims. Regrettably, my first attempt to rectify this matter has not yielded the desired result, and the fraudulent entries continue to mar my credit history. 

This situation is not only unacceptable but also indicative of a systemic failure in your dispute resolution process. The consequences of these persistent inaccuracies extend beyond mere inconvenience ; they threaten the very fabric of my financial well-being and credibility. 

I demand an immediate and comprehensive reevaluation of this matter, with a specific focus on expeditiously removing the fraudulent items from my credit report. Additionally, I insist on a detailed and unambiguous explanation for the continued failures to address and rectify these issues. 

I expect this matter to be treated with the utmost urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and pursue legal remedies to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 accounts ( 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

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 2020-11-09
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
UPON PULLING CREDIT ON XX/XX/XXXX, I FOUND THAT THERE ARE SEVERAL COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEAL WHERE THEY CAM FROM. I HAVE NOT RECEIVED ANY NOTICES FROM THESE COMPANIES THAT APPEAT ON MY CREDIT PROFILE. I FEEL AS THOUGTH IN XXXX & XXXX, WHILE I WAS OUT OF THE COUNTRY THAT MY CREDIT & IDENTITY WAS COMPROMISED. 
THESE ACCOUNTS ARE AS FOLLOWS : XXXX XXXX/ XXXX  ( XXXX , GA ) XXXX XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX ( XXXX XXXX , NJ )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have a legal document from XXXX correcting my credit and I have never been late on my account 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Account status incorrect

Complaint:
On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that XXXX was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX  that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also XXXX should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.

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 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 act reporting act XXXX  account # XXXX. Has violated my rights. 

15 USC 1881 section 602 state I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also Stares a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for credit and was denied because TransUnion reported a score of XXXX, yet the TransUnion score reported to my monitoring service ( XXXX ) shows XXXX. 

Why is there such a large discrepancy? Shouldn't I as the consumer have access to the my data that TransUnion sells to companies deciding my credit worthiness?

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 2022-02-16
Company: AES/PHEAA
State: AE
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 submitted a complaint ant it was given Complaint # XXXX. I just received a letter that it was suspected of being submitted by someone else so it was just cancelled. This is especially disheartening in that I submitted this myself and complained to a government agency who just cancelled it without verifying it or looking in to it. If it was suspected of being from someone else, shouldn't that be verified prior to just cancelling it. If CFPB won't take the complaint and the Department of Education Ombudsman won't reply, who I am supposed to go to? 

Please look at this original issue. I believe I have been given terrible advice through the years by both XXXX XXXX and Fed Loan Servicing on my XXXX XXXX XXXX XXXX. I am an XXXX XXXX stationed in XXXX.

Company response to consumer: Closed with explanation