BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... 

Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 made my payment on XX/XX/2022 but becuase bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the 3 credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt wan na help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the 2 bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX XXXX and the returen that i was not awaere of

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 2022-07-05
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XX/XX/XXXX # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXXXX/XX/XXXX XXXX Ct XXXX XXXX XXXX EQUIFAX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act 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 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 2023-07-21
Company: EQUIFAX, 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:
Did not validate bankruptcy report on file. 

Did not investigate dispute Can not provide dispute details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File

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 2022-06-20
Company: NAVY FEDERAL CREDIT UNION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Leaders Financial Company
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XXXX XXXX XXXX my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within 2 business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR 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 15USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. 1681 s-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 2022-06-20
Company: Experian Information Solutions Inc.
State: AL
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:
Creditor Name XXXX  XXXX Account number XXXX Date opened XX/XX/2018 XXXX5 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2023-10-07
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries that I didn't not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went into my CareCredit account to pay off my bill, through Synchrony Bank. They took {$1400.00} twice. I immediately contacted them on XXXX and they said they will just hold the second {$1400.00} as credit. I said absolutely not. I am requesting immediate refund of that money. After a lengthy call, they claimed they could not refund me for 10-15 business days. Despite my objection, they claimed that was all they could do. I called today and they claim they are still working on it and it will be another 10-15 days. 
Absolutely unacceptable. What can I do? Thats a lot of money.

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 2022-11-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid 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:
This complaint is regarding Barclay 's XXXX XXXX. Barclays allowed my credit card to be charged by a local company XXXX XXXX XXXX XXXX ) with no authorization, no invoice and no signature despite the fact that the company is a local company and they had been at the premises several times. The vendor charged my credit card for work NOT DONE. We neither signed a work authorization, estimate, nor did we sign a charge slip despite the fact that the company is a local establishment and they could have easily obtained a signature because they had visited our premises several times. We would not and did not sign any documents. Instead they forged my signature on these documents at their offices. 

When the company charged our credit card, we filed a dispute with Barclays and provided them with copious amount of information on this unauthorized charge, and finally received a letter from them ( copy attached ) stating AFTER THOROUGH REVIEW, they had found in my favor, and credited the charges on my Barclay card. 

Several weeks later, we received a letter reversing their decision ( despite their thorough review ), and they re-charged my Barclays card with the charges that they had previously found in my favor. The reason for this is because their employee XXXX XXXX lied about having my signature on the estimate. The truth is that we never signed any document with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Citi bank claimed that I had two cards open with them. I tried disputing and was ignored by the company. I've asked for proof that the debt was mine, such as original contract with my signature on it but was ignored. I've sent police reports as well and dispute letters 90, 60, and 30 days ago. The have not responded. Instead of working with me to help resolve it the sold the debt to debt collectors, who are now harassing me at home and work. One had a balance of {$3100.00} and the other of {$6600.00}.

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 explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I disputed an account with TransUnion Credit Information Services on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. XXXX and TransUnion stated to me the account was removed and then reinserted back on by the XXXX XXXX. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: National Credit Adjusters, LLC
State: TX
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:
NATIONAL CREDIT ADJUSTERS This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. NATIONAL CREDIT ADJUST Original creditor : XXXX XXXX XXXX XXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ) .Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. I contacted the original creditor and they informed me that National Credit Adjust is not the company that XXXX XXXX sold the account to. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a car from XXXX in XX/XX/XXXX. The loan provider for the loan is Bridgecrest. At the beginning of the loan period, the payments were on time. Unfortunately, I was impacted by COVID. This resulted in short term XXXX due to a COVID related illness. I communicated this with Bridgcrest on several occasions. I entered into several payment plans/loan modifications ( XX/XX/XXXX and XX/XX/XXXX ). I did everything I could to prevent a repossession. After many months of hard work, I have finally brought my account to current. I reached out to Bridgecrest and asked for a credit report adjustment to reflect current as I am not able to be approved for a mortgage ( or rental ) due to the late payments they continue to report. The refuse to comply with the CARES Act credit reporting mandates and report my account to current ; after entering into several agreements and loan a loan modification. From my understanding of the CARES Act, even if I was delinquent at the time of the modification, the creditor must report my account as current once the account is brought current as a result of that modification. The company states it is not their policy to offer adjustments. However, they will remove tradelines if the loan defaults and is charged off. In other words, if I would have let my loan get charged off, I would get a full reprieve. Even though I worked hard to maintain my loan and bring my account to current, my credit report can not be adjusted to reflect that dedication?

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