BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX XXXX : {$2900.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards. 
XXXX XXXX XXXX Balance : {$16000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$15000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

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 2022-05-03
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-04-03
Company: EQUIFAX, INC.
State: AZ
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 reached out to XXXX, equfax and XXXX about wrong addresses showing on my credit report. i was trying to get these addresses removed but they did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Transunion Credit Bureau keeps reporting erroneous Public Record on my file. I have disputed this incorrect information and sent Transunion via certified mail the court letter informing that they have not provided Transunion with any public record. I question the validity and who is the provider of this erroneous information and have requested that such record be deleted from my file. They have not replied since XX/XX/2021. 


USPS XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Transunion received XX/XX/2021 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 2023-07-14
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:
Over the last 2 years I have been dealing with the harassment of XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. XXXX has violated my privacy. They are a third-party intervener and are in trespass of the private name, XXXX, XXXX ( creditor ) dba XXXX XXXX and her private information. XXXX qualifies as a volunteer, stranger, or intermeddler. XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). XXXX purchased the account referenced above from US DEPARTMENT OF EDUCATION N.A or another third-party junk debt buyer. Therefore, they are, according to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF PHILADELPHIA COUNTY PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time, they have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against them and the other firms listed in the paragraph. Also SELLER : US DEPARTMENT OF EDUCATION N.A. They have placed the above-mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. I have no contractual obligation with XXXX. Therefore, any action taken by XXXX is considered aiding and abetting fraudulent activity. I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between XXXX, and the above-mentioned creditor. Also! XXXX is not licensed to collect debts in the state of Pennsylvanian Pursuant to Pennsylvanian STATUES 7311. Unlawful collection agency practices.

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 2023-03-02
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Re : XXXX  XXXX Restuarant week promotion sponsored by Mastercard from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX The complaint is in regards to a promotion that was sponsored and advertised by Mastercard on XXXX Government and various other websites. 
https : XXXXweek Special promotion for Mastercard holders XXXX get {$10.00} back when you spend {$45.00} or more in a single transaction during XXXX Restaurant Week. To participate, enroll any eligible Mastercard to receive a {$10.00} statement credit. Takeout and delivery are not eligible for the promotion. 

ALL the requirements have been met and I have yet to receive my {$10.00} credit I have tried calling numerous times as well as spoken to Barclays ( the servicing Bank ) and Priceless multiple times to no avail. 

None of the agents knew what I was talking about in regards to any promotion ( 14 documented calls ). 

So, one of two things occurred : - The advertising on the various websites is fraudulent OR - Mastercard is not honoring ( or is even aware ) of the promotion which is very concerning and could be potentially widespread impacting numerous consumers.

Getting this issue resolved or even having Mastercard actually know about the promotion has been extremely frustrating to say the least!! 

I was provided a complaint # XXXX and and to date have not received a response. 

Followed up with an e-mail to XXXX ( as provided by the promo offer ) on XX/XX/ and have not received a response from Mastercard or Priceless.

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 2023-04-03
Company: EQUIFAX, 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:
My name is XXXX 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 inquiries. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the 7 yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both XXXX and XXXX. Im guessing these have been reported to Experian too.

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 2023-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the balance in full on XX/XX/XXXX through the bank app. Did not use the card all of XXXX but received a bill on XX/XX/XXXX charging me interest. I called the bank and was told that this was back interest due to when they close the billing period. 

My complaint is there is no way to access the true balance due, even through the bank 's own application. This is deceptive and designed to keep charging interest even when the balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.

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 2017-05-09
Company: CREDIGY USA CORP.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
about  11 yr s ago I had got some kind of paper and it was about this 3 party suing me for a credit card .than about 1 yr ago i n  XX/XX/XXXX    th e sum of  XXXX  they tried to take my only car and than took me to court and I made payment arrangement ..  times  got hard on my income so I have stopped paying them .. with in that yr I have been assured what to do next they have stop me from getting tags for my car. and I had to get some help to get my tags back. mean while I got pulled over with expired plates ..than I have n't heard from them until   XX/XX/XXXX      they had   XXXX   XXXX   court officer come and repo my only car. deman ding the full amount of money before they take it  XXXX . I felt very scared with  XXXX   XXXX  in my presents when I was cleaning out my  car.. Credigy Receivables inc. is t he  3 p arty debt collector with no proof that this credit card was mine .. and the statute of limitations and the way they went about ..so many unanswered questions. I feel that I do n't have the funds to pay a lawyer to get my car back and get this resolved thank u for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Santander mistakenly paid ( from my escrow account ) my entire insurance premium in XXXX XXXX instead of just the homeowner portion. The insurance binder clearly itemized the amount Santander should have paid for the homeowner portion. In XXXX XXXX, Santander completed an analysis of my escrow account, and they did not account for their error, thus increasing my escrow payment by more than {$400.00} per month, which I can not afford. I first called Santander on XX/XX/XXXX, XXXX and also emailed their customer service dept. Neither attempt was able to resolve the issue, in fact they did not reply to my email. Since that date, I have placed several calls and made several more requests to get them to correct the matter and provide documentation for my files. They have refused to provide an email address to a direct contact for me to communicate with which will also allow me a document my position. I have provided confirmation that my insurance carrier has reimbursed Santander entirely ( in XXXX XXXX ) for additional money they received due to Santander 's error and that I paid my portion throughout the year. My last communication with Santander was XX/XX/22 when I spoke to XXXX from their insurance department. She recognized the error and explained it would take XXXX business days to research and that I would get an email confirmation. To date, I have not heard from a Santander representative. 

Note, the attached was sent to XXXX XXXX XXXX XXXX XXXX, who, in turn, advised me they do not handle such a matter and referred me to helpwithmybank.com

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 2023-06-25
Company: Experian Information Solutions Inc.
State: NY
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 have multiple hard inquiries on my Experian report that I have no knowledge of and did not authorize any of these inquiries.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-05-03
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filling this complaint because national recovery agency has alleged a debt is mine but can not prove this claim, they have contacted my father and the debt has hurt my credit to where I am unable to purchase a new car when I am a single mom of XXXX. I sent in a verification off debt letter to verify this alleged debt is mine and I am willing to pay as long as I can see proof of claim. This was ignored, a photocopy of this statement was sent which I specified in my letter to not have a photocopy, I then sent another letter re requesting the same info to verify the alleged debt, this letter was ignored. I then sent a pending litigation letter, another photocopy was sent disregarding my request. I have now sent a cease and desist notice as I see National recovery agency will not comply, they will not verify this alleged debt belongs to XXXX XXXX. I have spoken with XXXX XXXX via email who once stated they requested this info from XXXX XXXXXXXX XXXX and didn't get a response, I waited and all he sent AGAIN was a photocopy of a statement.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Experian & XXXX ; Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information and in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but Experian and XXXX are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. 

AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 
A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 
Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act

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