BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
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:
This dispute was filed with TransUnion on XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of TransUnion to respond. I had no choice but to file a complaint with the CFPB. 


These are the files that were disputed on 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  DateLastActive I have also attached a copy of my Credit Report from XX/XX/2022 and a copy of my original disputed letter. 

According to the FCRA XXXX under section XXXX. XXXX in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If I would not have contacted the CFPB, I still would have not gotten a response for my dispute which is obviously over the 30 day time frame allowed by the FCRA. All accounts disputed are attached and by law needs to be deleted immediately! 

As you can see TransUnion clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of the disputed letter sent to XXXX on XX/XX/2022, as well as my credit report before and a report 7 months later with no changes.

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 2022-11-11
Company: EQUIFAX, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX BANK Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX, XXXX + XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank manages the credit card accounts for Walgreens ( I.e., {$500.00} limit ), ShopHQ ( I.e., {$1500.00} limit ), and Sam 's Club ( I.e., {$1000.00} limit ). On three separate occasions, I was while in each of the stores, I preapproved for an account during the check out process for a purchase, and accepted the account. Over a period of one year, Synchrony Bank began reducing the credit limit to the current balance following a payment, until they finally closed the account. With the exception of one late payment on the Walgreens account in XX/XX/, all monthly payments were made on or before the due date. 

Each time Synchrony Bank lowered the credit limit, my credit score was negatively affected. The closing of two accounts, ShopHQ and Sam 's Club, further devastated my credit score. The Walgreens credit account limit has been gradually reduced from {$500.00} to {$100.00}. The customer service representative stated that the decisions were due to a scoring system Synchrony Bank uses to determine creditworthiness. However, Synchrony Bank 's practices appear discriminatory or targeting in nature. There were extenuating circumstances due to my sons ' illness and unexpected death. In fact, this information was shared with Synchrony Bank and other creditors to explain the high use of credit accounts was due to my son 's illness and his lack of benefits. Synchrony Bank is the only creditor who responded in this manner. All of my accounts are paid as required. 
In XXXX XXXX, I contacted customer service to explain the reason for the one late payment to Walgreens, which was approximately fifteen days late. My son had been ill and passed away on XX/XX/. I was concerned that Synchrony Bank would continue to reduce my credit limit. I explained that Synchrony Bank had closed ShopHQ and Sam 's Club accounts when all payments were made on time. The representative stated the bank would not reduce a limit or close an account for one late payment. However, on XX/XX/, I logged into my Walgreens account to make a payment and discovered the credit limit was reduced to {$100.00}. 

I contacted Synchrony Bank via an online Chat. They do not post a telephone number for customer service. Once again, the representative stated the bank does not close an account or reduce a credit limit for one late payment. I explained my past experience with Synchrony Bank. It took several minutes communicating in the Chat before I received a telephone number to call ( XXXX ). I contacted customer service to file a complaint for discrimination and the pattern in which my three accounts were targeted, then two were closed. Subsequently, the representative, XXXX, informed me that she couldn't guarantee I would be contacted by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-11
Company: EQUIFAX, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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: Account information incorrect

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-04-27
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XXXX I traded in my vehicle with gm financial. I was never late on any of the payments to the company. Vehicle was traded in from Gm financial and new loan was through XXXX XXXX. Since Gm financial was waiting for XXXX XXXX to pay off the loan they marked my account as late payment for the last payment on the loan. Payments to the company was never late and it was their duty to conduct proper business and cash the check that was se t to the company and make arranges since car was traded in. Gm financial added that the loan balance was late to my credit report. Gm financial has no written consent from myself that they are allowed to even share loan information with credit agencies and did not provide proper disclosures asking if I was okay with reporting and sharing my data. 

Not only did I pay my loan off on time I made car payments ahead of time and paid loan principal balance off fast. There should be no negative business reported between myself and this company. 

Address information is under is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co,XXXX  XXXX Last four of ssn-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
A complaint was file in 2021 ( see XXXX ). The company removed the item from my credit report but has since reported it, again, causing damage to my credit report. They have continued to update the reporting in order to cause further damage to my credit profile. 



They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the XXXX  Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When I open my account. They put me on a program payment security program with my authorization. I never asked them to put me on that program. And they put me on that program from XXXX to XXXX. The Program calling is payment security program. They charge me the amount XXXX I have a credit card amazon credit card from c SYNCHRONY bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Starting XX/XX/2023 my forbearance stopped. Due to allegedly exhausting the timeframe given. I was mistreated by both entities. Shellpoint mortgage company practice unethical practices. Which they pretended to work with me. Misplacing my paperwork for a loan modification to bring the mortgage Current. Both XXXX XXXX and Shellpoint didnt not treat me right or evaluate my financial situation due to Covid-19. My financial situation is both Mother and grandmother dead within the last 12 months. I had to pay for probate, and proper burial expenses for both. After inheriting the property from my mother. Shellpoint mortgage has made this situation so difficult and stressful. Im considering moving forward to pursuing legal counseling. The XXXX XXXX denied me because at the time my mother was deceased during the application process. At the time misinformation lead me to fill out the application for HAF funding to prevent for closure. I was mistreated by both entities. Shellpoint mortgage company practice unethical practices. Which they pretended to work with me. Misplacing my paperwork for a loan modification to bring the mortgage Current. Both organizations failed to meet their target, mission by default. Giving me the runaround pretending to work together to help pay the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have XXXX negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau XXXX, XXXX, and Transunion. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. XXXX, Transunion, and XXXX are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked XXXX, Transunion, and XXXX to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.

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