BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
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:
XX/XX/2020, {$520.00}. TransUnion is both a credit report and Collection agency as per conversation with XXXX and TransUnion. TransUnion LLC. aka TransUnion took on a third party contract ( which TransUnion failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated TransUnion was acting on the collection agency side on the date of submitting to the bureaus. TransUnion LLC abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). TransUnion failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, TransUnion made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that TransUnion was the agency to contact, I spoke with TransUnion on XX/XX/2020. Transunion advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with TransUnion the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. TransUnion refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All TransUnion advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****TRANSUNION HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously filed a complaint about inaccurate credit report on my Experian report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.

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 2021-03-19
Company: EQUIFAX, INC.
State: OH
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:
After viewing my credit report I came across some unauthorized inquiries that I do not recognize. Each inquiry into my credit report is listed below : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Synchrony Bank savings account has been restricted by the bank for one month. I have called multiple times and the bank has not helped me with the problem. It keeps saying the bank is reviewing my account. I don't think there is anything wrong with my account at all. Please help me to tell the bank to solve my account problem as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 space 15 U.S.C.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 calls to believe that the information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: BAM Management US Holdings Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have waited over a year for Binance.us to clear my transactions after attempting to deposit money. The transaction had failed and they had told me to wait up to 10 days to withdraw my funds. This had occurred XXXX. Support keeps telling me to wait up to ten days, even a year later and copy pastes their message instead of personally fixing the issue. I have been more than patient and been in compliance for long enough with Binance.us and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: NAVY FEDERAL CREDIT UNION
State: NV
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 have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the NAVY FEDERAL CR UNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX  XXXX. Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: RSH & Associates, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt showed up on my credit report, I have never dealt personally with XXXX XXXX. I have asked them to provide proof of this debt and they ignored my request. I have disputed the debt with XXXX but they state that the debt is valid but again I see no proof of this. 
The collection company is has been harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have submitted multiples disputes regarding information Transunion has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised I XXXX XXXX am demanding an immediate removal of this erroneous debt before I suffer future harm to my credit file. This letter is a demand for validation pursuant to the Michigan Consumer Protection ACT and the FDCPA, made on XXXX XXXX behalf. Your failure to respond may trigger an action for damages brought by an individual consumer against TRANSWORLD SYSTEMS INC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulate what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
I am extremely UPSET with this company. I have sent a dispute when this first came on my credit report on XX/XX/XXXX. XX/XX/XXXX, I submitted all my information and documentation to XXXX, XXXX, and XXXX XXXX. This was rectified and removed from my credit report in XX/XX/XXXX on XXXX  but not on the other 2. I submitted a dispute recently in XX/XX/XXXX ( in writing ) to the creditor Kia Motor Finance asking them to also remove the information reported INACCURATELY to XXXX  and XXXX XXXX. They have now put that information BACK on XXXX  as of Today XX/XX/XXXX, and my score has now dropped by 70 points!!! This is COMPLETELY UNACCEPTABLE!!!!! I am closing on my home in 3 days and I need this FIXED ASAP!!!! As you can see from the attached documents, XXXX and XXXX Bills were not updated no matter how many times I called and the insurance company called for that to be done. The bill was not revised until XX/XX/XXXX and I didn't receive that revised Bill until XX/XX/XXXX when I called in to have it emailed to me!!! Which then was paid within minutes from the insurance company and 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 2022-11-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is not removing Fraudulent hard inquiries on my credit report please help ftc report attached i am a victim of ideneity theft, the infrmation on my Equifax credit report -regarding the hard inquiries are fraudulent- there are fraudulent hard inquires on my equifax credit report that does not relate to any trasnactions that i have made. this is a result of identity theft. these fraud hard inquiries are not mine and must be removed remove and delete these fraudlent hard equifax inquiries XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax HArd Fraudulent Inquiry XXXX XX/XX/XXXX XXXX Equifax Hard Fradulent Inquiry XXXX Equifax Mortgage XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Bridgecrest Acceptance Corporation
State: GA
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:
XXXX XXXX, is a financial institution by definition under 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the 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 2021-03-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I booked two round trip tickets for XXXX XXXX, my wife, and myself on XXXX XXXX, XXXX to XXXX w return. Although we live in XXXX our Grandchildren are in XXXX so we decided to spend time with them before and after the trip. This trip was to celebrate XXXX 's XXXX birthday. 

In XXXX of XXXX I saw that our flights were removed from the XXXX XXXX schedule and that they were going bankrupt. I filed a dispute for both tickets with my Citibank Mastercard. 

In XX/XX/XXXX I received formal flight cancellation notices from XXXX XXXX for both round trip itineraries. Email, telephone and online attempts to recover the money still owed to me by XXXX were useless. 

In XX/XX/XXXX one round trip ticket was credited to my account. I tried to file again on line but the " Dispute A Charge '' button was greyed out for these 4 transactions. 

In XX/XX/XXXX I mailed CitiBank all the documents I had requesting a refund for the other flight. 

In XX/XX/XXXX they refunded XXXX for one flight but not the XXXX for the other remaining flight. 

In XX/XX/XXXX I made another attempt to remedy the situation with Citibank and XXXX XXXX. Although I filed in a timely manner, their response was that too much time had passed. 

XXXX XXXX XXXX Page 1 shows the 4 charges to XXXX XXXX. Page 2 shows the three conditional credits which all became permanent. 

CLOSED DISPUTE.pdf shows the matter is closed from the point of view of Citibank. 

XXXX TO XXXX & XXXX TO XXXX XXXX show the flights were indeed cancelled. No service was received but my money was swiftly taken. 

It makes no sense that three of the four charges were refunded and not the fourth of four. 

Each time I summitted a compliant about the charges I did it for all of the flights or tried but the online system was not always usable. Twice I submitted documents by mail to introduce and prove my points. 

I am still owed XXXX for the service that was cancelled.

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 2021-03-19
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:
XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with XXXX, Equifax, and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and this is my first complaint against your company for not handling my disputes properly. Im attaching my documentation once again since your investigation took more than 30 days and you havent corrected my credit report. I expect to get a answer from you guys in 10 business days resolving my matters.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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:
There are some inconsistencies with inquiries being reported on my credit bureau without proper consent or acknowledgement. Please remove these items immediately.

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