BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  2. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXXXXXX Date of inquiry 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 explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I checked my credit report and notice these fraudulent inquiries. I don't have any idea why they were listed on my report. This is FRAUD!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: NY
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 ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address via the XXXX Online Chat. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated with XXXX XXXX XXXX - XXXX XXXX XXXX XXXX and directly with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX denied and completed my fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to review and remove the account from my credit 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 2023-12-05
Company: Experian Information Solutions 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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-03-12
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: Account information incorrect

Complaint:
On XX/XX/2023 In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 I have spoken to XXXXXXXX XXXX Fraud Dept . and they advised me case # XXXX for account # XXXX should not be reporting as late ( {$140.00} ) and the account is closed. 


Fraud Dept. XXXX Phone # 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 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on 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 explanation
Consumer complaint received 2016-04-05
Company: STUDENT ASSISTANCE FOUNDATION
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX I contacted the company that was servicing my student loan and requested a payoff amount. I was given that amount and paid the balance I was given as the payoff amount. Ten years latter I was contacted XXXX stating I had an out standing balance and with interest had grown to a large amount of about {$3000.00}, they started collections. I can honestly tell you I did not receive ANY correspondence regarding this outstanding student loan during the time period of XXXX. I was monitoring my credit report and never did anything appear on my credit report. In XXXX after I started receiving notices of collection from XXXX on a student loan I assumed was paid-off. I started digging into this matter with XXXX and found out that I was given the wrong payoff amount. Since I was provided the incorrect pay off I tried to negotiate with XXXX to pay the balance only that was outstanding, not the interest that had accrued. I had a meetings with XXXX in XXXX, wrote numerous letters to the XXXX governing agency 's to work with me on this matter and except some responsibility for the error. At each turn I was told I had to pay the full amount. I was not going to pay the full amount plus interest because I had already completely paid the loan off XXXX the full amount I was given. Now 14 years latter I am still battling against this student loan and accruing interest. Not one agency that has been involved with this loan is willing to acknowledge they was an error made in XXXX that has caused me countless years of trouble. I need to find out what agency or person I can speak with that will look into this matter and make the determination that in XXXX I paid the payoff amount I was told. And yes that amount was incorrect it was not your fault. Pay the remaining balance that was due in XXXX and this student loan will be considered closed. I have always been willing to pay the original outstanding balance I just am not willing to pay any of the accruing interest. I was not hard to find in XXXX, XXXX XXXX and so on ... .. 
I am at my wits end. I currently am on a IBR plan and called once again to see about just paying the original outstanding balance. I was told ; wither you pay this loan or not at some point in the future we WILL get our money from the government. Great incentive to work with people who might be in similar positions. Or maybe I am the only XXXX in this type of position. 
Hope there is some guidance or help out there for my situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX XXXX  refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every XXXX  dollar less provides a better score. 


XXXX XXXX XXXX XXXX - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXX  Last payment date:XXXX Last payment : {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
This Complaint is a Complaint about the CFPB! I CAN '' T believe you closed my Case! Is this what you are paid to do? Just give lip service to the consumer while these Corporate Banks wipe their feet on us? I Could very well Be XXXX  soon because Netspend Locked MY ACCOUNT FOR NO REASON! I can't even buy a {$.00} bottle of Dishsoap because Netspend has ALL MY MONEY LOCKED UP! And YOU listened to what their Rep had to say AND Closed the CASE! The lady at Netspend said that she called my phone # twice and I didn't answer and that I never called her back or responded to her email. I call XXXX.! I recieved XXXX calls from a Toll-Free number that I had never seen before but I answered the calls and there was NO ONE on the other end! I asked Hello XXXX  times before I hung up. There wasn't even breathing on the other end. When I recieved her email I called the toll free number and it went to Netspend 's phone system and then transfred me to XXXX XXXX ( I Think it was XXXX, started with a V, Have it on my phone still ), office and got her Voice Mail. She never called back. I called XXXX  times and left XXXX voice mails to call me. Never heard from Her. I left XXXX emails, Never got a reply. And then I get your email stating the case was closed on what she told you. XXXX.! Tells Me where the consumer stands! The Worst Part is I am still waiting on My XXXX ID it's been almost XXXX weeks and when I get it I am still hoping to do business with XXXXNetspend because they are my best option for a prepaid card. The XXXX XXXX Card that SSI uses is the MOST XXXX Debit Card Company out There. They might even be more crooked then our Politicians! Wait, It was the Politicians who Picked XXXX XXXX! Getting That legal XXXX money they call Political Donations. Thanks For almost NO Help CFPB! I Just go off and starve to death by myself!

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 2021-07-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The situation with Ally Auto began last year during covid. We were offered more than XXXX extension last year due to covid and none of them were honored. It became evident when it started showing up on our credit report. During communication with their customer service, we would repeatedly ask if our account was current and were reassured that we were only to find out later, usually beyond the 30 day past due mark, that it was not. This issue has been continuously ongoing for the past year. Our vehicle ended up in XXXX status in the month of XXXX. Ok, we will make arrangements to pay, catch up and clear our account so that it will not further damage our credit. We worked with a gentleman from their XXXX dept and were given the amounts we were to pay for our account to come out of XXXX status and become current. We made al the agreed upon payments, at the time we were scheduled to make them only to find out today, XX/XX/XXXX, that our account was not current in XXXX, XXXX and XXXX. I honestly think that it is a result of the covid extensions not being honored that has had a ripple effect to now because we have been making monthly payments to this company, in the full amount. I am tired of this company telling me something different every single time I call them. It is ruining our credit and the frustration at this point is inexplicable. No one will help me other than to keep pushing the notion that I am late. I need help and resolution because they are single handedly ruining our credit.

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 2023-07-18
Company: EQUIFAX, INC.
State: NY
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 2023-06-05
Company: Consumer Portfolio Services, Inc.
State: IN
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:
Consumer Portfolio Services is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; Equifax, XXXX, and XXXX. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, Its been 3-4 months and they only response Ive gotten was the accounts been verified. I want to know who verified them. By law after 30 days of no verification the debt has to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter to XXXX, TransUnion, and XXXX asking them to verify XXXX accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been XXXX XXXX and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.

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