BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is showing Climb credit has me paying 30 days late, but I've been on auto pay since we started the loan. This is the 2nd time they've reported I was late when I have not been.

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 2023-08-16
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I hope this message finds you well. I recently noticed that my mortgage payment has increased by {$210.00}. However, when I reviewed the escrow analysis, it showed a shortage of XXXX, which seems odd since I have been making all my monthly payments on time. 

Additionally, I wanted to mention that I am currently unable to afford the new payment. I'm feeling overwhelmed and it seems like no one is providing the necessary help. 

I kindly request a detailed breakdown of the extra charges and a clear explanation of where they are coming from. It's important for me to have accurate information to understand this discrepancy. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution that provides clarity. 

Sincerely, 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 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, i notice this morning i was missing XXXX in maintance fees. I call Boa four times. All four times i was either hung up on or lie to. 
Long story short, i was told that i gad to have ONE DIRECT DEPOSIT OF XXXX OR GREATER IN ORDER TO AVOID ANY MAINTANCE FEES. I WAS TOLD THAT I NEVER HAD A DIRECT DEPOSIT OF XXXX OR GREATER. WELL EITHER MY ACCOUNT WAS NEVER LOOK AT OR WAS LIED TO. REASON WHY I AM STATING THIS IS, ON XXXX I RECIEVE A DIRECT DEPOSIT OF XXXX. AND SO MANY XXXX. WHICH MEANS I SHOULD NEVER HAVE BEEN CHARGE THIS FEE AT ALL. THIS IS THE SECOND TIME THIS HAS HAPPEN

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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

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 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 Capital One/Menards , has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section ( 2 ) a, i : Report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Again and again TransUnion , LLC has purposely reported incorrect information on my credit report trying to ruin my credit score! This has been a long uphill battle with TransUnion , LLC and they are still not reporting things correctly! I have discussed these issues with TransUnion , LLC repeatedly only to be notified by TransUnion , LLC and their subsidiary XXXX that something else is being reported wrong! Here is the latest problem, on XX/XX/2017 i received notification from TransUnion , LLC and it 's subsidiary XXXX that my total reported account balance has increased by {$6000.00}. which effects my credit score! This is wrong! In fact my total account balance has decreased and decreases each update! TransUnion , LLC says it 's because the previous balance on all ( XXXX ) of my XXXX credit cards was {$0.00} and this is also incorrect! The first XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$1800.00} and the current balance is {$1800.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$3300.00} and the current balance is {$3200.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$970.00} and the current balance is {$910.00}. The total account increase of {$6000.00} is not right and needs to be removed!!! All of this has affected my credit score!! All of my points being removed while TransUnion , LLC constantly makes errors while reporting my accounts and balances need to be added back to my credit score! I want all of my points added back and the correct information reported! Please see supporting document that I 've uploaded for verification.. 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just spent {$29.00} to obtain an updated credit score from Transunion. They processed my credit card and didnt provide me a Transunion Updated Score . Transunion also provided inaccurate score from XXXX. This is not the first time that I pay for Transunion worthless services. 

This company have harmed so many hardworking people they should be punished for all the incorrect information they provide to consumer and lenders. 

Transunion is a dishonest company that sells products that doesnt work, a staff that is unhelpful, and provides incorrect financial data. They have been damaging my credit and reputation posting incorrect financial on my profile since 2019. 

Transunion FAILS to provide accurate data. Transunion FAILS to follow the dispute guidelines. Ttansunion website dispute system also doesnt work, and they fail to timely respond customers. 

CFPB PLEASE PROTECT CUSTOMERS FROM TRANSUNION.

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 2023-08-16
Company: Century Finance, 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:
This complaint is for CENTURY FINANCE, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX, Experian, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of 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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX, XXXX, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of 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 2023-06-07
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-04-28
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX  XXXX - XX/XX/XXXX - ( XXXX  XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX XXXX - XX/XX/XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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:
On or around XX/XX/2020 around XXXX XXXX CDT I contacted XXXX  XXXX to inform them the attached account number ( XXXX ) as an account unknown to exist to me had a statement reach my home address via US Mail and had my name listed as the account holder.

XXXX XXXX through the course of a two hour phone call and several transfers between departments came to realize that the account in question ( attached statement ) did not have my social security number associated to it. Instead it seemed to be another member of my household 's account as their social security number was associated to it. I was told on the phone that I was not responsible for the account and that I should instruct the member of the household to pay said account. I was also told that I would not be responsible legally or on my credit report for the delinquency of the accoun
t.

On XX/XX/XXXX I became aware that my Experian credit report was showing a serious delinquency on the account in question despite not being associated in XXXX XXXX 's system as under my social security number.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS BEST XXXX XXXX  Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it 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 2017-04-02
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
" I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Diversified Consultants Inc, therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me '' and being that it was removed from my XXXX credit report it needs to be removed from the XXXX credit bureaus XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX. She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXXk several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.

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 2023-08-16
Company: Albert Corporation
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I put my card on the Albert cash app and somehow my account has been signed out of. Ive been trying to get back into my account but my phone is currently off and I need a the same password or the same email associated with the account. It wont let me change a thing Ive tried reaching out and calling all different numbers. They dont have a direct person I can talk to basically. I need to get in to my account my card and my money is on there and Im not able to use it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Account information incorrect

Complaint:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer 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 non-monetary relief
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is to inform the cfpb that Transunion continues to be corrupt and discourteous in regards to the XXXX XXXX XXXX account # XXXX that is wrongly placed on my credit report. I received a correspondence from Transunion dated XX/XX/XXXX FILE NUMBER XXXX stating that due to the result of the investigation, the the XXXX XXXX XXXX account was DELETED And the account information was updated on XX/XX/XXXX. I followed up on another copy of my credit report XX/XX/XXXX and discovered that the illegal account is still being reported on my credit report. This is evidence that Transunion is knowingly reporting False Data on my credit report. Which is a blatant violation of the Fair Credit Reporting Act. They conducted an investigation, found that the item did not belong on my credit report, but they continue to report it. The company continues to ruin my reputation and I will be seeking damages from all parties involved if this matters isnt resolved in ten days. 
Along with this correspondence, I am including a copy of the deletion letter that was mailed to my residence on 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