BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that TransUnion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 -15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of the inquriy from XXXX  that is showing XX/XX/22, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2023-03-15
Company: SUNRISE CREDIT SERVICES, INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sunrise credit services XXXX XXXX XXXX XXXX XXXX new york XXXX is committing illegal fraudulent activity against a XXXX XXXX XXXX veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC SUNRISE COLLECTION ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND THE CREDIT BUREAUS TO THE BETTER BUSINESS BUREAU THE FLORIDA AND NY ATTORNEY GENERALS OFFICES AND THE FCC FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND SUNRISE FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST SUNRISE CREDIT SERVICES AND 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 2021-09-27
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed some unauthorized charges appear on my bank account, I checked my wallet and noticed my card was still in my possession but these charges were made online, with my regions card. I also had credit cards that were stolen from my wallet. I immediately alerted the bank and tried to dispute these charges. After a couple days I received an email saying that they had completed their investigation and would not honor my request of refunding me my money. I did not receive any explanation as to how they determined this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27
Company: Todd, Bremer & Lawson, Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Someone from the debt collection agency called my wife around XXXX. 

He claimed to not know it was not my number, but this agency has been calling me for months, and they had never called her before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: World Acceptance Corporation
State: GA
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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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 XXXX  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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of 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 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian

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 2023-07-05
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
Dear Flagship Credit Acceptance, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.

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 2021-09-27
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please update the late payment on these accounts because this account should not have any late payments.

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2022-12-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is XXXX from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( LateClosed XXXX XXXX Balance {$410.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chargeoff XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$590.00} ; Collection XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} )

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 non-monetary relief
Consumer complaint received 2018-12-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018 I was going to buy a trampoline for {$80.00} on XXXX. When buying they advertised if you buy something for more then {$50.00} and apply for the XXXX XXXX credit card they will give me {$45.00}. So I applied for the credit card that same day and was approved for XXXX limit. I attempted to use the card online and it was impossible to use. I called Syncrony Financial and XXXX XXXX, and they were not able to help to buy the trampoline with the credit card I qualified for. I called multiple times that day, and no one was able to help. They said they would email me a link to make the purchase with the new credit card and nothing worked. Synchrony said they were not able to give me the credit card info for security reasons. They informed me once I receive credit card to make purchase and I will receive the promotion. When I got credit card almost 2 weeks after I went into XXXX XXXX Website and bought the trampoline, and called Synrony to ask when will credit be applied, and they are telling me because I did not buy the product with the credit card that same day they can not honor the promotion. Then I called a second time and they said they will put in a request and it should take two day. I called today and they told me they don't see the credit and that they will put another request and to give it two more days. At this point I have lost confidence in synchrony and I just want them to give me the XXXX dollar credit promotion as they promised. I don't need the credit card I could have bought this cash, but I wanted to take advantage of the card promotion and the points they offered. I am so upset at them that I don't even want to use the credit card anymore and I just want the credit. I am asking for them to be ethical and to give me the XXXX dollars they promised.

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 2023-07-05
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent {$300.00} through cash app to an attorney XXXX XXXX, she doesn't have the app on her phone. I walked the payment in her office. I contacted Cashapp to inform them by phone that {$300.00} was in their system account, They immediately agreed to return the money that minute to my debit card issued by XXXX, The money never shown up to this day, XXXX disputed and cash app lied by saying they put it on my cash app balance. 

I'm attaching documents that show they never place back on my card or in a cash balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Got notifications from credit bureaus that I notice inquiry was put in my TransUnion report between XX/XX/XXXX and XX/XX/XXXX without my consent call them they told I have put in a dispute

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 2022-05-03
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: Personal information incorrect

Complaint:
After reviewing my Credit Report on XX/XX/XXXX ; I noticed for the second time deficiencies of reporting and inaccurate information on my XXXX credit report in violation of the Fair Credit Reporting Act Section XXXX ( XXXX XXXX XXXX XXXX ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove DATE OF BIRTH year " XXXX '' and REMOVE previous address listed as : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Notice dated XX/XX/XXXX which includes my Driver 's License, Social Security Card # and Phone/utility Bill. XXXX Additionally I respectfully request an investigation of THD/CBNA account XXXX, and Inquires : " XXXX '' dated XXXX XXXX report and CAPITALONE dated XX/XX/XXXX on my XXXX XXXX. XXXX concerned my personal information XXXX have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. [ [ **PLEASE ADD XXXX XXXX Account # XXXX and Account # XXXX to my report, I do not see these accounts! XXXX FCU is my Accounts ] ], Thank you again, Be Well ....

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