BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion continues to report a collection agency and at this time it's XXXX XXXX. 
Prior to that, it was XXXX XXXX. I disputed it early in the year and it was removed by them but again just recently it popped back up on my credit report. I call them today and talked to a dispute specialist who said i can dispute it again ( really not comprehending the problem of different companies at different times placing this on my credit report with them ) which does no good. I'm tired of being hassled by some imaginary debt back in XXXX and them providing no assistance in understanding the true issue. Now, just yesterday I received a notice from another company called XXXX XXXX XXXX XXXX XXXX claiming I owe them and most likely report it to Transunion as well. The other two bureaus, XXXX and XXXX   don't report this random debt but Transunion doesn't care. I'm was in the middle of a refinance on my home when i was blindsided with this because it dropped my score by 8 points according to XXXX where I have a premium account to monitor such activity. 

Also, i pulled up and read the 2003 Fair Accurate Credit Transaction law and in section 611-15 section B, paragraph i-iii states that the credit bureau agency shall notify in the consumer of reinsertion not later than 5 business days after the reinsertion. I was never notified by Transunion, or XXXX XXXX, XXXX, XXXX, XXXX XXXX and everytime they make a report my credit score drops by 8-12 points. Please help so i don't have to get an attorney involved.

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: CA
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 is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 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 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 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 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 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 2023-01-08
Company: Experian Information Solutions Inc.
State: UT
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:
DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.

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 2023-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are accounts in my credit report that are not mine. I have not authorized it.

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 2022-10-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The credit card XXXX XXXX financed by comenity bank I purchased a piece of Jewelry from XXXX XXXX, they advertised a 12 month interest promotional financing. The purchase amount was {$3700.00}, my first payment was due on XX/XX/XXXX. I signed for paperless statements, I made all payments before the due date each months, my payments ranged between {$250.00} and {$350.00}. The last payment I made was on XX/XX/XXXX of {$250.00} the balance after this payment is {$160.00}, which I scheduled on line. I was thinking my promotional interest free account ends XXXX XXXX On XX/XX/XXXX they charged me {$600.00}. They said the last statement reflected that the promotion is over early XXXX. THE LAST STATEMENT AVILABLE ONLINE WAS ON XX/XX/XXXX. They did not provide a statement for XXXX or XXXX. I tried to talk to them they said it's my fault I did not call to get the XXXX or XXXX statement and they will not wave the interest which the charged on the full balance. 
Can I get help with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: TX
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When I was approved for a Wells Fargo credit card there was information on my credit report that caused the interest to be set at a rate that gouges me - approximately 25 %. I have informed Wells Fargo that this information has legitimately been removed and that they should re-review my rate. At my current XXXX credit score, I believe that my rate should be sub-20 %. Today a man called me to ACKNOWLEDGE that they have an internal department that reviews accounts for APR reductions but told me that he WILL NOT get in touch with hem to see if my APR can be reduced. They scam people by knowingly overcharging them for interest, in cases such as mine where they know there is a discrepancy. I will continue to work with the company and keep the CFPB abreast of their continued abuse of customers.

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 2021-05-06
Company: Nelnet, Inc.
State: TN
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 have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX  ) and the Creditor ( DEPT ED/NELNET ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
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 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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$35000.00}.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Agency that have an account that they have got through identity theft and I have written them a letter to let them know that it was identity theft and that through the fair debt collection practice act, section 809 validation of debt, and section 813 civil liability and also the fair credit reporting act that they are reporting to the credit bureaus section 609 A and 1a and section 6 11 A and 1 A and section 611 5A. I also asked them to delete from my credit report and if they felt like I owe them a debt that those sections in the FCRA requires them to send me not a copy of the original document but to send me the original document with a wet signature to show I owe the debt. They continue to send threatening letters. I asked this company to send a contract or promissory note where we decided to do business and I gave them permission to use my information. The company said to me that it did not apply to them. The company states the FCRA does not apply to them and they will continue to put negative things on my report and would make my life miserable by putting negative information on my credit report. I talked to the credit reporting agency and they stated that the account was still open, when it had been closed. Now they are reporting it was closed but still have a negative on my report. Im asking them to delete the fraudulent information that they are reporting because its damaging.

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 2022-12-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this several times with Equifax reporting inaccurate information in my public records regarding a bankruptcy that I filed on XXXX XXXX that I was withdrew and because it was withdrew it was dismissed. I filed a dispute with XXXX XXXX XXXX for Equifax on XX/XX/2022 on XX/XX/2022 XXXX XXXX made Equifax aware that the disputed information was removed from my credit report. I will be attaching a copy of this that was provided to CFPB and I was mailed a copy. Then on XX/XX/2022 I received an updated credit report from Equifax stating that on XXXX XXXX that the information in my public record was verified as accurate with the US BANKRUPTCY COURT AND THAT XXXX XXXX XXXX XXXX PROVIDED THIS INFORMATION WHEN THEY IN FACT STATED TO THEM THIS INFORMATION WAS INACCURATE. SO I OBTAINED INFORMATION FROM XXXX XXXX, XXXX XXXX XXXX AND US BSNKRUPTCY COURT BUT TO THIS DATE EQUIFAX HAS FAILED TO FIX THIS CAUSING HARM GO MY PUBLIC RECORD. 

EQUIFAX CREDIT FILE CONFIRMATION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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 status incorrect

Complaint:
XX/XX/XXXX I would like to file a complaint against TransUnion, regarding false information being placed onto my credit file. 

True financial  facts, and updates that should be taking place onto my credit file, are not being updated. 
Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed on my credit file. 

This has gone on for years, and in XXXX I had, had to get attorneys to write to TransUnion regarding the handling of wrong information that they insisted on placing onto my credit file. 

I submitted a complaint to the CFPB on XX/XX/XXXX, regarding my TransUnion report, because there was a collection on my report that was not mine, and an address etc. 
Attached is the copy of the XX/XX/XXXX credit report that TransUnion sent me, the collection was removed, but they need to remove that address of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. 
That has never been my address, it came with that medical collection. When that collection was added to my credit file, TransUnion dropped my credit score, and they have not added back the score points that they took from me. 

XXXX, XX/XX/XXXX. I was told by two mortgage lenders, and several insurance companies, that I wanted to do business with, that my score is in the LOW 500s, and there is no reason that it should be. 

I WAS ALSO TOLD, that in the NEGATIVE area of my credit file, debts from XX/XX/XXXX, items that I had already disputed over the years. 

These debts are showing as if they are NEW charge offs, and collections, dated from ( XXXX of XXXX ). 

All of that information is false, fraudulent, and inaccurate, and needs to be corrected, and my score raised, and updated. 
I have not had anything to do with any of those creditors since XX/XX/XXXX. 

Just look at the status dates of when they are to come off of my credit file, that alone shows what is being reported is false, and intentionally updated just so as to damage my 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 2023-09-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 9 : - Account Name : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 10 : - Account Name : TD BANK N.A. 
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$3900.00}

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 2021-03-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened a case with PayPal because I did not receive the item. Seller provided tracking information so I went ahead and talked to XXXX about the non delivery issue and it turned out the package seller shipped did not have the correct shipping information which turned out it was delivered to completely different address and person. I talked to PayPal about this to appeal the case and they're not doing anything to help. I can't believe big company like this profits off hard working people like me without getting caught. I'm so disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I reached out to XXXX to discuss my credit card debt. XXXX reported that the debt was charged off in XXXX to Selip and Stylianou LLP. I did not understand why because I was making a flat payment of {$50.00} to discover that they stopped and did not inform me. 
XXXX quoted me {$2000.00} that I still had to own. However, Selip and Stylianou LLP said I had to pay {$4000.00}.

I disputed but was decline so I disputed again. Selip and Stylianou as not been helpful and down right rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
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:
My XXXX husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in 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