BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
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:
My name is 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 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 2023-06-01
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. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 finish 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 2022-02-16
Company: EQUIFAX, 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: CA
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:
Experian Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my XXXX Credit Card. 

Experian Credit Website is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX then I suffered from XXXX XXXX and still is suffering from XXXXXXXX XXXX. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad XXXX  all the time coupled with XXXX from taking XXXXXXXX XXXX The reason that I was not checking the charges of my XXXX XXXX. 

I am a XXXX old proud XXXX XXXX XXXX XXXX that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- Experian Credit Report which has affected my Quality of Life. I have a lot of charges in my XXXX Credit Card due to these Illegal Charges. 

I already filed a complaint with XXXX who credit back the monthly charges, but later on, XXXX recharged my account again siding with Experian. 

I called XXXX and filed a Dispute, but they will recharged these Experian Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

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 monetary relief
Consumer complaint received 2022-02-16
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: Information belongs to someone else

Complaint:
Hi, My credit score dropped significantly in the last month. There was a fraud alert on my XXXX XXXX account and my score went from XXXX to XXXX. Due to the Covid 19 Pandemic Act, I worked out a plan to make payments. I was planning on refinancing a paid off property and paying off my cards when I tried to apply for the loan and I checked my credit score and it dropped significantly. On the report it states I have paid in a timely manner so this score has prevented me from obtaining the refinance equity loan to pay off my cards and renovate the property for income.

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: 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 2023-03-01
Company: EQUIFAX, 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:
Dear CFPB, Please assist - I have absolutely no knowledge of the alleged debts listed on my credit report. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. 

I opened up my mail to find that credit had been applied to in my name. I immediately reported this to the FTC so that the bureaus can rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX complex 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 explanation
Consumer complaint received 2020-09-25
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello ... 
This message is to file a complaint against American Express and XXXX XXXX debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for American Express credit card. Unfortunately, my father passed away on XX/XX/XXXX. American Express did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a XXXX XXXX XXXX and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a XXXX year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. American Express and XXXX XXXX debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX  Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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.

The letters are stated with items and issues.

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 2022-05-26
Company: Experian Information Solutions 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:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call about a week ago regarding a bill from XXXX that I truly believe was taken care of months ago. I requested a validation of the debt because of this and the collector refused. I continued to ask for validation and why he could n't provide it. He became very heated and argumentative at which point I ended the call as I was not going to tolerate the yelling. 

He immediately called me back and said " our call must have been disconnected '', which clearly was not the case. He continued to be loud and argumentative. He then indicated that he was marking my account as refusal to pay ( even though I have not refused to pay ). I told him to do what he felt he needed to do, but since this was n't the case I needed to speak to a supervisor. 

This supervisor was made aware of the issue and that there was at least XXXX FDCPA violation. He indicated he was going to review the call recordings, speak with quality assurance and take the proper steps to rectify the situation as well as request a validation of the debt. He was to get back with me regarding the situation, but no call or letter was received to this effect. 

Fast forward to today, I get a call from another bill collector ( same company ) and he indicates there are no notes about this previous call having issues, no request for quality assurance to review and no indication that I made claims of FDCPA violations. I request to speak to his supervisor to verify this information and I spoke with XXXX who was very nice, but did indicate the only thing notated was that i requested a bill from them. He indicated he was going to take action on this, but still tried to collect the balance on the bill. I know they need to ask, I worked in collections for 10 years. It just seemed slightly inappropriate given the circumstances of why I was speaking with him. 

Thinking further, they also did not do anything to truly verify I was who they were looking for. Granted my name is quite uncommon, they just asked if I was so-and-so and did not request I verify an address or date of birth or anything of that nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2022-12-04
Company: Experian Information Solutions Inc.
State: SC
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, 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

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 2018-05-16
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:
I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.

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 2023-06-01
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: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXXXXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX COL. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/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 2022-07-11
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Please expedite, I possibly sent to wrong agency. 

Please investigate if possible scam/fraud. 

See below Thank you

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 2019-06-24
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I thought ALL of my student loans had been consolidated but one had not. I contacted Navient and was informed that the loan was in default and had been sent to collections through XXXX XXXX XXXX. I called and tried for weeks to get someone that could help me take care of the debt. After NUMEROUS calls and leaving my phone #, I was finally able to speak to a representative. She informed me of my options, one being paying {$9100.00} to payoff the debt, and I told her I would get back to her within the next 2 weeks. I have tried now for over 3 weeks to contact XXXX, I have left a contact # everytime to receive a call back, and STILL have not received a response or call back. Not even a missed attempt!!! I would like to get this paid off at the {$9000.00} I was originally quoted but no seems to be able or willing to help. INFURIATING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am so XXXX  and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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