BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/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 2021-05-26
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX AZ continue to report this debt even though they released me from lease and the debt of my lease in XX/XX/XXXX they continue to report to XXXX XXXX through their own debt agency that I owe close to {$4000.00} even theirs no judgment in place nor did they contact me within a year after the supposed balance placed on my credit in XX/XX/XXXX. I was placed in the City of XXXX XXXX XXXX through case manager XXXX XXXX and he and I was not informed about any debt owed XXXX XXXX and its COVID-19 and they fraudulently trying to get money from me even when I wasnt working in the public housing program. They signed my contract to be really from my lease with no debt amount owed and if I was still in that lease I wouldve owed until XXXX of XXXX. They combating the fact that contractually they never held me accountable for the balance at the time of being released from my lease with XXXX XXXX  because I was also diagnosed with be severely XXXX ill and I have been diagnosed as title XXXX and title XXXX

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 2023-05-11
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 information incorrect

Complaint:
According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX : XXXX XXXX : Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: VA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, U.S. Bank charged my US Bank Cash + credit card account {$6.00} in monthly interest. I was puzzled, as I had held this card since XXXX with all monthly balances paid in full. The matter grew worse when I went online on the PC desktop website and was unable to edit the amount of the monthly auto-pay, which was locked to pay less than the full amount. When I called US Bank customer service earlier today, XX/XX/XXXX, I was kept on hold for an interminable time, and had to connect first with a CSR, then a banker, and finally website technical support who opened a ticket and promised I would hear back from them within a few days. It is illegal to charge someone interest against their will and the bank was unable to even identify the root cause issue, beyond promising to research. This matter needs to be promptly remediated and the bank punished for its lax financial controls impacting household income. It is entirely possible that this issue is not limited to a single account or household. I also want to make sure that the current interest amount is refunded in full and this issue is permanently corrected.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I filed for XXXX  XXXX bankruptcy protection. My credit card I had with XXXX  XXXX XXXX ending in XXXX was included in the bankruptcy filing. However TransUnion refuses to display the information regarding this account correctly. The date reported shows as XX/XX/XXXX instead of XX/XX/XXXX when the account was included in this bankruptcy. Because of this erroneous date my TransUnion credit score varies by as many as XXXX points than XXXX and XXXX. Back in XX/XX/XXXX, I submitted a dispute to TransUnion involving several accounts that were included in the same bankruptcy that I was having the same issue with and many of the dates on those accounts were corrected to show the correct date. Additionally, I recently submitted a XXXX letter to TransUnion wanting to know the source of their information regarding the XXXX XXXXXXXX XXXX credit card and so far there hasnt been any response. Each time I call TransUnion Im told they only display the information provided to them by the creditor and when I contact the creditor I am referred back to TransUnion. I just want this error fixed. I am in the process of rebuilding my credit and I have established many new accounts that all in good standing and have not had any derogatory events since the bankruptcy filing more than two years ago. So its really hurting my rebuild efforts when a creditor is reporting a delinquency that occurred two plus years ago as an event that just occurred this past month. I am aware that as negative information ages it has less of an impact on your credit score. Please help me with this matter.

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 2023-10-16
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I went in to cash my check I got denied cashing my check but the teller said I can deposit it for you never said it was gone be 6 days hold I had to walk-in the rain then I got a text in my email saying that my money feting hold for more then XXXX hours with no reason just because Im a new customer. I never heard a bank holding your check for 6 days unless the check got reported stolen and its not I just got that from the state of Wisconsin

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: CT
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 items 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See attachment There is incorrect information reporting on my consumer report far as incorrect hard inquires

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 2022-10-16
Company: Experian Information Solutions Inc.
State: SC
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My Current Mailing Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX SC 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 2019-01-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company, " Pressler & Pressler '', " XXXX XXXX XXXX XXXX '', and/or " Pressler, Felt & Warshaw '' have been harassing me for many years. Keep in mind, this is the same company ; they keep changing their name due to the multiple complaints and backlash for their unethical practices. 
They are telling me I owe them {$6500.00} for a XXXX  credit card that had a limit of {$1500.00} ( back in XX/XX/1993 ). They have already stolen a total of {$2000.00} from my bank account on numerous occasions, and they have filed court orders to take my paycheck. I did NOT enter into any agreement with this company, yet the court allows them to levy my bank account and garnish my wages??? I need this harassment to stop. Please help. Pressler & Pressler have been using unethical tactics against me for years. They have just filed a motion to garnish my wages. I do not make a lot of money. Please help to stop this company from stealing my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am requesting a debt validation be done on these loans, including evidence of my agreement to the original loans, the evidence of a disclosure that Aidvantage says was provided to me when my monthly payments were changed without my consent the first time, and evidence of the disclosure when Aidvantage changed my payment terms again without my consent. If this documentation can not be provided it is clear Aidvantage has violated UDAAP and the TIL, and these loans should be closed and removed from my credit report. I would love to request this information of them directly but they do not answer phone calls nor do they respond to emails, so I am filing another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-07-26
Company: EQUIFAX, INC.
State: MD
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 being violated according to my studies of the fcra. I have been disputing with XXXX equifax and XXXX about an alleged bankruptcy they are reporting. It is defamation of character and effecting my credit worthiness. I have asked for verification of the source of where they got their information. I was not produced with anything but mail stating that it is verified. But how was it verified? I asked for documentation which was not sent within the 30 day time limit. I didn't give permission for this information to be furnished. There is no permissible purpose to furnish. No proper investigation was done and no documentation was received so I believe the information should be deleted. The laws are highlighted and attached. You are in violation of the FCRA 1681a ( 2 ) b and c 1681 ( a ) e 1681b alway 1681d ( 3 ) if this is not corrected I will seek litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2019 my car was stolen from my home. I was walking out the door to leave for work at XXXX and my car was gone. I worked closely and very diligently with my insurance company to provide every detail immediately. I was anxious to not have a car because school was approaching. I have XXXX  children going to XXXX  different schools. I needed a car immediately. XX/XX/2019 my car was considered a total loss. My insurance company confirmed they would be issuing a check and my GAP insurance would pay the reminder of the balance and that I was no longer responsible for the payments or the car. I made every payment on time while I owned the car. I was never late. I asked XXXX XXXX XXXX to not penalize me because the other companies did not provide the pay off in a timely manner. This is the only late payment on my credit report and it is reportedly negatively on my report while I am in the process of trying to purchase my first home. Please do not hold me accountable for someone stealing my car and ruining my life.

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 2023-10-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, at about XXXX, I used PayPal to transfer money to two separate email addresses. The money was to be used to purchase 3 tickets to the XX/XX/XXXX XXXX football game. The money was sent using the 'friends and family ' option. I found the seller via XXXX and communicated with them via messenger. As soon as I sent the money I was no longer able to use messenger to send them messages. I, obviously, was too trusting. I never received the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXXXXX XXXX XXXX-account # XXXX ), has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 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 2023-06-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Diner 's club sent me new cards in XXXX and I cut them up and enclosed them with the statement and the new annual fee with a written note to close the account since I had not used the card in over a year. The annual fee was {$130.00} they did not close the account and contiue to charge late fees. Diners Club has continue to call and XXXX me and when I try and return their call they put me on hold - wait XXXX mins then disconnect me. 

This should be a simple transaction- they refuse!! Closing an account to avoid annual fees should be simple and easy but they make it more difficult than a normal person should be subjected 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 monetary relief