BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am deeply dissatisfied with your assertions and am rejecting them due to the absence of any substantial evidence to support your claims. I urge you to address these accounts as erroneous or face the potential consequences of legal action on my part. My emotions encompass frustration, distress, irritation, and outright anger. These sentiments have arisen from the excruciatingly slow responses and the repeated dismissal of my identity theft claim by your organization. Let me be unequivocal : this situation is a veritable nightmare. I have been grappling with unauthorized accounts and transactions, and the impact on my financial well-being and peace of mind is incalculable. The emotional turmoil I've endured has been beyond distressing. I implore you to promptly initiate a thorough investigation into these matters, expunge the fraudulent account from my credit report, and assist in restoring my financial standing. I am not seeking preferential treatment ; I am demanding what is rightfully mine as a victim of identity theft. I also want to dispute this address that is not mine 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 2023-04-12
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My amount financed was {$39000.00} as of XX/XX/XXXX which is the day that I signed the truth in lending disclosure. By the time I got the welcome notification from Honda on XX/XX/XXXX, my amount finance had increased on {$39000.00}. I asked where the {$110.00} had come from they told me it was interest that was added on to finance charges even before my first payment was due. I was shocked that I was forced to pay interest on top of interest even before I had a chance to make online payments. My first payment was not due until XX/XX/XXXX. Honda was going to add a whole month of interest onto my finance charge before my first payment. 

So I try to pay down as much as I can the next day on XX/XX/XXXX. My payment took 2 days to reflect on the account. Then, I found out today XX/XX/XXXX that my payment of {$29000.00} was processed, but the entire {$29000.00} did not went into principal. They had taken out {$110.00} for interest and applied only the rest {$28000.00} to principal and my first payment is still due in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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 urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action 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
Consumer complaint received 2023-02-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account 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.

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 2021-06-09
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, Synchrony Bank reported two Time-Barred entries to XXXX and XXXX Credit Bureaus. Neither entry was reported with an account number or payment history and both entries are reporting incorrect " Last Date of Payment '' dates. They reported 2 old accts to XXXX  and 1 old acct to XXXX. 

The first one identified as Synchrony Networks is a HH Gregg account. Synchrony reported it to XXXX and XXXX. I purchased a TV fin XXXX ( see attached receipt ). My credit limit was {XXXX} and I paid the TV off in XX/XX/XXXX ( 13 months ) never late no missed payments. HH Gregg was running an interest-free promotion until XX/XX/XXXX. Synchrony is reporting to XXXX that the last payment date was XX/XX/XXXX, credit limit of XXXX}, high credit of XXXX}, months reviewed 99. ALL INFO IS WRONG! They reported it to XXXX on XX/XX/XXXX, which was 10 years later and it will remain on my XXXX credit report until XX/XX/XXXX, which will be 17 years from the last payment and activity date. They reported the same acct to XXXX under acct # XXXX with XXXX} credit limit and high balance of {XXXX}. They did not report the date of last payment, date of last activity, or payment history. They reported it to XXXX on XX/XX/XXXX, this was 7 years after I paid the acct off. XXXX should have REMOVED it XX/XX/XXXX, yet it remains on my credit report 15 years later and I have no idea how long it will remain on my XXXX credit report. 

The second one identified as Syncb/XXXX XXXX was reported to XXXX only. This was a XXXX credit card that I opened in XX/XX/XXXX for repairs to my XXXX XXXX XXXX ; it was a 90-day same as cash promotion and I paid it off in XX/XX/XXXX and DID NOT use the card again. Synchrony They are reporting an XXXX} credit limit and XXXX} high credit which is correct, and a Date of Last Payment XX/XX/XXXX which is WRONG. I DID NOT make a payment on XX/XX/XXXX nor did it take me 2 years and 4 months to pay off {$370.00}. They reported it to XXXX on XX/XX/XXXX, this was 11 years after I paid off the account. This acct is TIME-BARRED from being reported for both the dates - 11 years after I paid it off and 9 years after the date of last payment Synchrony is reporting. It has been on my credit report for 16 years and XXXX will remove it in XX/XX/XXXX which will be 18 years. 

I'm not sure why Synchrony keeps re-aging these 2 XXXX-balance accounts, other than to keep them on my credit report! I have NOT applied for any credit with them in the last 7 years and I WILL NOT apply for credit with them. 

As you can see on the receipt - my credit limit was {XXXX and my highest balance was {XXXX} the date I purchased the TV.

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 2022-09-15
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number 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 an account without my written instructions. My credit report is attached to reference this account

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 2021-11-10
Company: Exeter Finance Corp.
State: FL
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:
Old late payments keep popping up which wasnt late auto loan. 
XXXX is reporting negative and its not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The following unauthorized charges were debited from my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute and they did not resolve it. I did NOT make these charges and I want my money credited.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL 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 2023-10-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, someone claimed he purchased 3 items from XXXX using my Wells Fargo Credit card double cash card ending with XXXX. Two were pre-approved ( {$1000.00} and {$890.00} ) and 1 denied ( {$1900.00} ). 
I got an alert email from Wells Fargo about the transactions on the same day XX/XX/XXXX. 
I called, on the same day XX/XX/XXXX, Wells Fargo customer service, reported that I dont have anything to do with these 3 transactions, filed a claim and immediately changed my credit card number. 
A few weeks ago, I was shocked to receive a letter from Wells Fargo stating that 2 transactions were approved. 
I filed another dispute with Wells Fargo. I provided more documents about the issue. They refused again. 

I have had an XXXX account since XXXX. I never had any such issues. 
I provided Wells Fargo the following : * ) All my XXXX purchases since XX/XX/XXXX to XX/XX/XXXX in a pdf file. 
All my valid XXXX purchases have a valid XXXX order number in the description ( XXXX ) The 2 fraud charges descriptions on XX/XX/XXXX dont have such a valid XXXX order number. Talking to XXXX fraud department, they mentioned legitimate XXXX orders always show the XXXX order number on my card statement. 
Why Wells Fargo didn't contact XXXX and check on all my XXXX transactions? They have all my information. 
Plus I called Wells Fargo the dame day ( XX/XX/XXXX ) to cancel the 2 transactions. They didn't. Why they cancelled one transaction on XX/XX/XXXX and approved 2 transactions? 
Wells Fargo never told me what was purchased on XXXX XXXX by who? shipped to where? I asked these questions more than once, no answer. 

I talked to XXXX fraud activity department ( XXXX XXXX XXXX or XXXX XXXX XXXX ). They also confirm that I didnt have any transactions around XX/XX/XXXX. 
* ) I filed a police report. 
* ) I filed a report with FTC. 
* ) Next I will go to court if this is not resolved.

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 2021-07-16
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.

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 2022-09-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number 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 an account without my written instructions. My credit report is attached to reference this account

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX the various account have 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 with out my written instructions.

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 2023-10-02
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: Account status incorrect

Complaint:
am writing to formally dispute a late payment entry on my credit report for the account XXXX that appears on my credit report with your agency. I recently discovered this entry, and I am requesting your assistance in validating the accuracy of this information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

I assert that I was not notified of any outstanding balance of the aforementioned account with XXXX XXXX. According to the FCRA, it is the responsibility of the creditor to provide accurate information and to notify the consumer in case of any outstanding balances before reporting negative information to credit bureaus. I have never received any communication regarding the outstanding balance, and I request that you investigate this matter promptly. 

In light of the above, I kindly request the following information to validate the accuracy of the reported late payment : 1. Verification of the debt : Please provide detailed information regarding the debt, including the nature of the debt, the original creditor, the outstanding balance, and the date of the last activity.

2. Proof of notification : Please provide evidence that I was duly notified about the outstanding balance before it was reported as a late payment to the credit bureaus. This may include letters, emails, or any other form of communication sent to me. 
3. Documentation of the late payment : If the late payment is accurate, please provide documentation proving the validity of the late payment, including dates and transaction details.

I understand that under the FCRA, you have 30 days to conduct an investigation and respond to this dispute. I also request that, during the investigation, the disputed information be marked as in dispute on my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I appreciate your prompt attention to this matter and expect a thorough and accurate investigation. Please send me a written response outlining the results of your investigation and any actions taken to correct or remove the inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXXXXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 NUMEROUS 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had applied for credit cards and applied for an auto loan and they were only supposed to use their company but ended up showing multiple other companies on my credit report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA has put my account in a fraud restrictive because of elder abuse. I am not being abused and when I called in they wanted for me to give them the loans that I have applied for. I couldn't remember of the bat because I have a head cold. But I won't to put them here to, car loan, installment loan, credit card and a secure card. It has been only me that USAA has been talking to. I gave them my new phone number of XXXX. But they kept calling my old phone number I had on file. I was able to verify all the information but because of the recent loans i applied for that I couldn't remember I have to wait to call back 24-48 hours because of their review. USAA attempted to call me before they put in a fraud status but they were calling my old number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation