BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX ( XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account XXXX, XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-01-07
Company: DISCOVER BANK
State: NV
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:
Pursuant to the Heroes Act ( Section 110401 ) DISCOVER BANK violated my rights by reporting late payments during the XXXX Pandemic. 

see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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 third 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 extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted TransUnion a few times by mail and phone about some unauthorized hard inquires showing on my Credit File. I first contacted them by mail approximately around XX/XX/XXXX to dispute the inaccurate information on my credit report and I called TransUnion about a month later around XX/XX/XXXX to follow up on any updates about the items I disputed. I actually called them a few times around this date only for them to keep telling me that I must contact the creditors to dispute the items with them, TransUnion even sent me mail but only about one of them several items I disputed that was a verification letter for the XXXX  XXXX account I disputed. And they never sent me correspondence about the other items. I even called a few of these creditors around this time to dispute these items with them which they end up making a report and telling me they update their system and send updates to the credit bureaus. However those items still remain on my account. 

I initially contacted TransUnion feeling that I was a victim of identity theft and I don't feel they followed the proper procedures of the Fair Credit Reporting Act. And by them never responding to the other items on my credit report, I feel like they never did a proper investigation. 

I even sent them mail for a second time on XX/XX/XXXX disputing the items again along with an identity theft report I filled with the Federal Trade Commission and I still have not heard back from them. Below are a list of items I disputed due to fraud : XXXX : Hard inquiry date XXXX XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  : Credit Card Closed on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
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:
XX/XX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dispute this XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/ XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX And again XXXX XXXX has ignored my XXXX : I also attach an updated credit report from other removal letter from XXXX and XXXX. but XXXX has ignored the removal inquires request on my credit. I have no knowledge on this hard inquires .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been billed monthly by TransUnion for over two years. I signed up for a trial and it has been difficult to end it. Calls are put on hold for hours. Their text service gives a " sorry it's taking so long " message. When I finally got through on XX/XX/2023 they denied I have an account. I have now blocked them on XXXX from charging my account again. But I am concerned with what they can put in my credit reports. The whole time one is on hold they try and sell you more products. This seems set up to allow them to charge people and not allow cancellations.

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 2020-08-04
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Target Corporation, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from XXXX   after the 2 year expiration date of reporting. 

I have repeatedly escalated this issue with both Target and XXXX, both personally, and with XXXX XXXX legal counsel. 

XXXX is the only credit bureau reporting this charge off data incorrectly. It has corrupted my XXXX score by nearly 100 points. I have otherwise excellent credit. 

XXXX  has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. 

NOTE : Both Target and XXXX repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Bridgecrest Acceptance Corporation
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 is missing that should be on the report

Complaint:
Company is in violation of the original contract.

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 2023-05-26
Company: EQUIFAX, 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:
On or about XX/XX/XXXX, I uploaded 4 documents, per TVPA XXXX, which included a letter from a Non-governmental agency ( NGO ) certifying that I was a victim of human trafficking, a copy of my ID, a copy of my utility bill, and a self-attestation letter with the accounts and information to be removed from my credit report AND credit file, to both Equifax and XXXX via their websites. This was done to also ensure that the information was inputted into the e-Oscar system. Per the TVPA, credit reporting agencies MUST remove the accounts listed by the victim, from their credit reports within 4 ( FOUR ) DAYS. I waited 6 business days and BOTH XXXX and Equifax failed to remove the accounts. 

On or about XX/XX/XXXX, Equifax sent me an email requesting that I submit documentation for my claims of being a victim under TVPA, for which I had already submitted the required documentation. I then called Equifax and had a conversation with an employee who identified himself as " XXXX '' and stated he was a " supervisor '' for the department that handles issues with victims of human trafficking. During the conversation, " XXXX '' informed me that Equifax was questioning the validity of the letter I uploaded from the NGO. When I asked if under the law, Equifax had the authority to question the validity of a victim certification letter submitted by an NGO, he stated yes as it was part of their job. I then stated that if there was a question, why Equifax did not call the NGO and/or do a organization search to confirm their validity prior to denying my federal rights as a victim under TVPA. He only stated again that Equifax was questioning the validity of the letter. During the call, I informed " XXXX '' that I was recording the call for my protection under federal consumer protection rights. " XXXX '' then told me that Equifax records the call but I was not allowed to record due to Equifax 's policies. I then stated that I was in a state that requires consent to recording and I was not informed that the call was being recorded UNTIL I stated that I was recording the call. Thus, Equifax was recording WITHOUT informing and receiving my consent. This is a violation of TCPA and UDAAP. I have retained a recording of this phone communication. 

XXXX has failed to communicate with me within a timely manner regarding my submissions as a victim under TVPA. 

To date, XXXX, XXXX, XXXX, neither Equifax or XXXX, have complied with TVPA by complying with my federal rights as a victim under TVPA. This exceeds the 4 ( FOUR ) days, albeit business or calendar, in which credit reporting agencies are required by federal law to act on behalf of victims under TVPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a letter of verification to XXXX XXXX and Transunion. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on 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 2023-02-13
Company: Exeter Finance Corp.
State: VA
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:
I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XX/XX/2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a manager name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Signed in to Cash App to receive payment. When notified via email that payment was received Cash App requested upgrade of app type to business account and requested verification and transfer of funds out to which they said would immediately be credited back. As soon as the verification transaction was done another email was sent and verification was in process and would be credited back as soon as it was complete. Then another email came about a tax clearance and this is when we attempted to reach out to Cash App and they said they could not do anything since the transaction was already complete and didnt care about anything that had transpired. We tried to cancel transaction and it would not allow us to. Why would they have this functionality if it does not work! We immediately contacted our bank, the police and cash app again to file a claim which took numerous attempts for them to even verify information to research. Based on numerous posts we have read it seems to be a very consistent trend with Cash App to which they are doing little to nothing to fix. Fraud through Cash App seems to be running rampant and the consumer is getting beat.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: IQOR US INC
State: SD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A representative from Allied Interstate contacted someone related to me but not associated my account in any way on XX/XX/18. This company had been told twice previously not to contact that person but the representative did anyways. They also left detailed information regarding my account and the debt on a voicemail. I am reaching out to Allied Interstate to reach a resolution. I just wanted to make a formal complaint since this representative acknowledged on the voicemail that there were notations not to contact that third party number but he choose to do so anyways.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: AL
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.

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 2020-08-04
Company: EQUIFAX, INC.
State: PA
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$460.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation