BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
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:
I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that TransUnion and XXXX immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that TransUnion and XXXX investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

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 non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, 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 2023-09-18
Company: Experian Information Solutions 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my 2nd 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX 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
Consumer complaint received 2021-11-24
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a phone call from MEDICAL DATA SYSTEMS and the agent was extremely rude and threatened my credit while I was trying to determine the validity of the debt. I asked if she could give me a settlement snd she refused to answer the question unless I give her all my financial info. She told me I was wasting her time when I was willing to pay all I wanted was something in writing and she refused to send saying they gave me an initial notice. I didnt get them and wanted to go over dates as these took place during Covid while I was on unemployment and no health insurance now I am being penalized by damaging 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 2019-06-14
Company: DISCOVER BANK
State: FL
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:
I have a balance on the account comprising of two parts - one is part of a promotion with no interest until the date XXXX/XXXX/2019, and one whose promotional rate expired on XX/XX//2019. Since then, I have communicated with the bank by means of their secure messaging system trying to ascertain exactly what amounts I needed to pay to avoid further interest. I have been given several different and conflicting answers and none have addressed my concerns. In XXXX, I paid {$160.00}, which as the bank explained, was " the part of the balance subject to an interest charge '' in full. This would have meant no further interest, yet they charged an additional amount of {$2.00} on the XXXX statement and they now said that " the amount subject to interest is now {$120.00} ''. I got tired of the runaround and messaged them again asking what amount exactly I needed to pay by the next date to avoid further interest. On XXXX/XXXX/2019 they replied " Since the {$50.00} is accruing interest until it is paid off, your next billing statement would still show the interest that accrued on that portion of your balance up until the date you paid it. It would be a small amount, but you would still see interest. '' I expressed my intention to pay off the entire interest carrying amount and messaged them again, I asked directly " This is the same thing you told me last month about the {$160.00}. I paid that off and now this nonsense continues. What amount EXACTLY do I have to pay NOW to stop intrest accruing until XXXX/XXXX/2019? ". The bank replied " Your balance at the 22.24 % variable APR totals {$50.00} and your 0.00 % Balance transfer, expiring on XXXX/XXXX/2019, is {$3000.00}. The balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. Keeping in mind how our payments are applied, I'd recommend you pay your minimum payment of {$63.00} plus the {$50.00} to help you avoid additional interest ''. I then paid as instructed a total of {$110.00}, and now on my new XXXX statement AGAIN I have interest and AGAIN I have a " balance subject to interest '' in the amount of {$34.00}. This bank is absolutely disorganized and haphazard and has no idea what they are doing, relying on some defective computer algorithms rather than common sense, and they have not been able to answer simple questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. This is Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15USC 1692 ( g ) account legally paid in full but still showing that I have latepyment on this specific account FDCPA Section 807 Violation Mislead XXXX XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX Ive asked for a complete payment history. 

You havent provide me with a complete payment history but continue to report. Under section 623 you must provide me a complete payment history. This my 3rd and final warning asking for a complete payment history.

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 2023-10-12
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2023, I applied for the SAVE Income-Driven Repayment Program on Aidvantage 's website to see if I could save money on my monthly payments. There is no other to determine how much my payment would be without applying. On XX/XX/XXXX, I received an email from Aidvantage informing me that I'd been accepted, enrolled, and that my new monthly payment was nearly double what I had been paying previously, due XX/XX/XXXX. While the literature provided by Aidvantage says that I can un-enroll at any time, there are no instructions given for how to do this. I attempted to call their customer service twice on XX/XX/XXXX ( they were not taking calls on XX/XX/XXXX due to XXXX XXXX ), only to give up after waiting on hold for an hour. Their availability times for calls are extremely inconvenient for my timezone ( XXXX XXXX ), and my emails have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
last month i reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted as of today.

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: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 explanation
Consumer complaint received 2023-11-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed a " Card Security '' charge on my Amazon Synchrony Credit card this month, and did not recognize it. Upon calling the number in the charge narration, I was informed that this I have apparently been enrolled in this program since XXXX - and being paying for it on every statement in which I've had a balance since then. 

I requested an immediate cancellation and refund. They cancelled the enrollment, but only offered a refund of {$8.00} and change, which is definitely less than what I've paid into this program, even though I never explicitly signed up for it. I have had this card since XXXX and somehow miraculously " signed up '' for this card security in XXXX XXXX XXXX -- which I have no recollection of doing whatsoever. 

I'd like a full refund of everything I've ever paid into Card Security, since I was fraudulently enrolled in a program I didn't want, never utilized, and never agreed to.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX XXXX regarding my credit report. I have recently discovered several discrepancies that I believe are in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX XXXX  Account Open Date : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( TransUnion ) Closed Date : XX/XX/XXXX ( TransUnion only ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion & XXXX ), XX/XX/XXXX ( XXXX ) Credit Remark : Reported as a loss by credit grantor ( XXXX ) Last Payment Date : XX/XX/XXXX ( TransUnion & XXXX ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Discrepancies in Last Activity Date : The date of the last activity on my credit report is stated as XX/XX/XXXX for TransUnion, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. Such a significant difference in the last activity date is concerning, as it suggests inconsistencies in reporting across the three major credit bureaus. This lack of uniformity raises questions about the accuracy and fairness of the information reported, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Credit Remark : The credit remark stating " reported as a loss by credit grantor '' by XXXX is misleading and potentially damaging to my credit history. This remark is not only unclear but may be inaccurate, violating the FCRA 's requirement for creditors to report accurate and fair information. 

Date of Closure Discrepancy : The account closure date is reported as XX/XX/XXXX by TransUnion only, with no corresponding information for XXXX and XXXX. This disparity creates confusion regarding the status of the account, making it difficult to ascertain the account 's history and compliance with the FCRA 's regulations. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief