BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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:
hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX BANK Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2022-12-01
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: Account information incorrect

Complaint:
1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the account in question is XXXX XXXX XXXX  Account number XXXX Reporting to ( Transunion XXXX XXXX ), XXXX XXXX XXXX Account number XXXX ( Transunion XXXX XXXX ), XXXX XXXX XXXX Account number XXXX ( Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Account number ending XXXX ( Transunion XXXX ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and was not authorized by me. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all agreed to remove the late payments from y credit report and remove their accounts from my credit report. 3 ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I request that these late payments and accounts be removed from my reports. Asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX, OH 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 2023-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I signed in to my Citizens Bank account and saw that a check I had written to someone for {$170.00} had been 'washed ' -- while you could still see traces of the original payee 's name, a different payee had been written in and the amount of the check was changed to {$5000.00}. I called the Citizens Bank fraud line ( at XXXX ) and after being on hold for about 45 minutes, spoke with XXXX XXXX He agree that you could see the original name, and that the fraud was " perfectly clear ''. He gave me claim # XXXX and said it would take 8-10 days to process, but the funds would be restored to my account, and that Citizens would send updates. 
On XX/XX/XXXX, I hadn't heard anything and called again. After being on hold for close to an hour, I spoke with XXXX ( spelling? ) who said the time was actually 8-12 business days but he would request a provisional credit and I should see the funds in my account in 1-2 business days. 
On XX/XX/XXXX, I had no communication from Citizens and the funds were not in my account. I made an online appointment with the local branch manager for that day. When the time of the appointment came, she did not contact me so I called the branch and was told she wasn't in the bank. I spoke with XXXX XXXX, who asked if I could come in to the branch. I sat with him for close to an hour -- while he text chatted with someone from the bank. At the end of the hour, the message was that it wouldn't take 8-12 days but 6-8 weeks and they would not be providing a provisional credit. 
It has now been six weeks and I have had no update on this matter and the {$5000.00} that was taken from my account due to the fraudulent check has not been refunded to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
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: Their investigation did not fix an error on your report

Complaint:
I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 S ( 2 ) ( b ) .I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX XXXX/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.

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 2021-06-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XXXX XXXX I contacted both the company XXXX XXXXXXXX XXXX and Midland credit management I was trying to get information on the account that states i owe {$1000.00} to XXXXXXXX XXXX XXXX But they failed to disclose any information because they sold the account and the information with it as well as personal information to midland credit management. I contacted midland credit management and one of the representatives told me that a transaction was made with the card which i never owned and the transaction took place in XXXX, Fl on XX/XX/XXXX and many more transactions were made during that time as well. Midland credit management representative stated he could not send me a complete list of the transactions even though i requested that list, in my defense i stated i never owned a XXXX XXXX  credit card nor was aware that an account was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX Under NAMES Experian has listed on their consumer report about me that I have 14 names. The 14 names are displayed with name ID numbers. The description for this section of the report indicates there are three different sources for the listings of the names.

each of which may report your personal information differently. This is why there may be variations of your name address, Social Security Number, etc.

My personal legal names in my lifetime are listed below. 
XXXX XXXX by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX by legal name change by court order in XXXX XXXX and approved by the XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX by marriage to XXXX XXXX XXXX in XXXX XXXX, NY. 
XXXX XXXX by XXXX XXXX XXXX XXXX XXXX Supreme Court from XXXX XXXX XXXX with permission by the court to use maiden name. 
XXXX XXXX by XXXX to XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX  NY which is current. Does Experian dispute this? 
Experian has also reported on page 6 on their consumer report about me that SPOUSE OR CO-APPLICANT is XXXX? Why is Experian using information from my former marriage of which I have been divorced since XXXX on the current credit report? 
Under ADDRESSES Why do the addresses have XXXX Codes and Address Ids? What is the purpose for the use of these codes? 
Under SOCIAL SECURITY NUMBER VARIATIONS Experian as listed None How would I know if EXPERIAN is using my correct social security number in their Consumer Report about me? There is no numeric indication on this report displayed to me such as last XXXX of the Social Security number which is typical on such document. Why is that omitted from this report? 
Under FORMER OR CURRENT EMPLOYERS Experian reports that I am self-employed and retired. My former employment history is completely missing from this report. I have paid Social Security and XXXX income tax out of my paychecks from my employers since XXXX. Why is this information omitted from XXXX XXXX report about me?

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 2023-04-06
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:
When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$23000.00}

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 2019-12-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i completed the same process with your company but did not receive any informations from XXXX the debt was reporting to the credit bureau on XX/XX/2019 for the amount of $ {$1700.00} from XXXX XXXX, collection office is Enhanced Recovery company XXXX XXXX XXXX FL XXXX Phone XXXX I have been with XXXX XXXX for the past 10-15 years, i never open any account with XXXX or any other phone company. i am not sure want else i should do please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
While I was on vacation I missed a payment and when I returned I paid for two months but they claim I did not pay. Tried resolving with navient a couple of times, no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is willfully neglecting and non compliant with removing my non public personal information. Dispute has taken over the 30 days. Also Transunion committed fraud by not blocking information due to my FTC identity theft report as stated by law in 4 days. Identity theft means a fraud committed using the identifying information of another person US DEPARTMENT OF EDUCATION accounts XXXX & XXXX is being illegally furnished without any written, non written, verbal or non verbal permission from me.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: AZ
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:
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 Account XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please Remove and block these fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. 
I am requesting that these fraudulent accounts be DELETED and blocked from my Credit File Under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was originally financed through Ally Financial. I was offered a loan through XXXX XXXX to refinance the vehicle. XXXX XXXX paid Ally on XX/XX/XXXX. I received documentation from Ally my lease was paid off and my title was released and also sent me a refund for my Gap warranty. XXXX XXXX originally assured me that my Gap warranty would still be in play but when i called they said no it wouldn't so i then said i don't want to continue with them. XXXX XXXX had me call Ally on XX/XX/XXXX and again on XX/XX/XXXX to ask them to return the funds. I was then told on XX/XX/XXXX by Ally that XXXX XXXX reversed the check which is impossible. Ally also opened my account back up from the original date XXXX XXXX refinanced, therefor making me have 2 open loans on the same car and also put me delinquent on my account. I then spoke with Ally on XX/XX/XXXX asking why they opened my account back up on that date and i was told if i don't make a partial payment they would be reporting me to credit agency even though they still had the money from XXXX XXXX. I made a partial payment of {$170.00}. XXXX   XXXX in the meantime also has an open account still because they have not received their funds. I called XXXX XXXX and asked why they still had my account open and they said they would not release my title until Ally releases their funds. So i called Ally and they said they would not release the funds until XXXX XXXX released the title. So i'm at a stand still. I called Ally and said i have no choice but to stay with XXXX XXXX because you have the funds and they have the title. They said they would close my account and also refund me the money i applied towards the loan. The next day Ally called me and said they don't have any money from XXXX XXXX that the check was reversed which isn't possible so i called XXXX XXXX and they said no that they never reversed a check and that they went ahead and sent the title to Ally to help with this process. But Ally is still saying they have no funds and that they also don't have my title even though it was shipped XXXX and was signed for on XX/XX/XXXX. I can not get correct correspondence from Ally and now they are reporting me to the credit agencies as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never overdue, yet they are inaccurately reporting me as late.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i have credit protection on my destiny credit card until XX/XX/XXXX per a recorded Phone call, but they didn't make the payment last month. all fes and late fees need to be paid and assured the same thing won't XXXX happen next month.i have consistent issues with this company and credit protection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Opened XX/XX/20 XXXX {$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