BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

*Account was verify/Updated as been verified and accurate*. 

On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

On XX/XX/2023 I receive what its to be verification from XXXX collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! 

At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy. 
PER 15USC 1681 ( 5 ) ( 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 ) PROMPLY DELETED 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. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was checking my credit report and noticed that XXXX had reported my old Car Loan to all XXXX credit bureaus as XXXX day late for the month of XXXX XXXX XXXX as well as XXXX  day late in XXXX XXXX XXXX - Multiple calls were made to XXXX customer service during that time sine we were in Covid Pandemic and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.

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 2019-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX is not allowing my mortgage company to pull my report. XXXX provides the, with error XXXX. I report this to XXXX and they in turn tell me nothing is wrong while not giving an excuse as to what the error is. 

This is preventing me from getting my mortgage and closing on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 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 explanation
Consumer complaint received 2022-12-30
Company: HCFS Healthcare Financial Services of TeamHealth
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:
These items on my credit report as follows XXXX ( XXXX XXXX XXXX ) ... ( Ars account resolution ) ... dept.of education ( XXXX XXXX  whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's 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..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to TransUnion and the XXXX scoring system. Even though Trans Union sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on Trans Union side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks

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 2023-01-06
Company: EQUIFAX, INC.
State: DE
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a promotional purchase with XXXX XXXX ( Comenity Bank ) and my account was set up for automatic payments to pay off the balance in full during the month the promotional rate was set to expire ( $ XXXX/payments per month up to and including XX/XX/2019 ).  However, the promotional rate expired on XX/XX/XXXX which was prior to the scheduled payment due date of XX/XX/XXXX and I was charged $ XXXXin deferred interest! It was not clear in the terms and conditions that when you're set up for automatic payments, and the automatic payment would cover your total balance due in the month the promotion expires that you would need to actually make 2 payments. One payment for any promotional balance and another payment to cover any non-promotional balance. Furthermore, why are banks like Comenity making the promotional expiration date different from the payment due date in the same month? This adds an unnecessary layer of confusion for customers and leads to many, many people getting hit unnecessarily with deferred interest which seems to be playing into Comenity 's favor. I called and asked for the deferred interest to be reversed and they refused even after explaining how having two different due dates in the same month is confusing ( I spoke with three different people ). I am a long time customer, with an excellent credit score ( 830+ ), who has spent tens of thousands of dollars with Comenity and I don't raise complaints lightly. I have to believe this is affecting a large population of consumers who get penalized for situations like what I described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I initiated a transfer of {$50.00} from my UI Way2Go card to my XXXX XXXX  account. I entered my XXXX account routing # and account # on the Way2Go online banking site. On XX/XX/2020 transfer in the amount of {$50.00} was posted cleared. The {$2.00} transfer fee was charged and posted to my account. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Cleared - this is the transaction information my Way2Go account has posted in my transaction history. 
I contacted my XXXX XXXX  after waiting days and not seeing my funds being added. XXXX stated their company does not support incoming wire transfers established outside of the XXXX XXXX. Also stating the transfer would have been immediately rejected and sent back. XXXX said they have no record of any transactions or requests. I have repeatedly called the way2go customer service line spending hours talking to the automated phone system and never able to speak with a person. I am unsure which company posses or where my funds are. XXXX 's customer service has been very polite and has been trying to assist me to no avail. The Way2Go customer service hasn't respond to any emails, and hasn't been available over the phone. XXXX XXXX  hasn't responded to any of my inquears as well. 

Conformation # XXXX The transfer amount was {$50.00} The Transfer fee was {$2.00} Chime online banking is backed by XXXX XXXX Way2Go Card system is backed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AL
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: MO
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 received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX  XXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX : XXXX XXXX Account number : XXXX XXXX : XXXX Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus XXXX XXXX, XXXX XXXX Equifax have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD EXPERIAN I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, XXXX XXXX, XXXX, XXXX my name needs to match my 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 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account in XXXX of 2020 with Capitol One. I received a few checks for rental assistance from XXXX XXXX XXXX I deposited into my account. 
I was trouble receiving my mail ( Post office issues ) and asked XXXX to reissue the checks originally sent to me. When XXXX reissued and mailed the replacement checks, it seems I received the cancelled checks as well as the replacement checks at the same time but I was not aware til I made my deposit. The replaced checks were returned and Capitol One froze my account. 

When I called customer service to see why my account was frozen they had me speak to the XXXX XXXX. I asked them to clarify why they had my account frozen but they refused and told me they couldnt answer any questions. They were very rude to me, and questioning me as if I was a criminal who deposited fake checks. I told them this was XXXX public assistance checks and asked them to please release my account as this was to assist with a hardship I was having. The agent continued to question me, asked me the address of my center, my case worker, what the check was for and asked for a contact number with an agent at the center to verify my case. All govt agencies were shut down because of the Pandemic so at the time the only way to communicate with XXXX was through email and a general number which only rang busy. When I explained this to Capitol One they told me they couldnt help me and they would keep my account frozen and the rude agent hung up on me without ever explaining why my account was frozen. 

I called back to complain with a supervisor who explained to me it was because some of my deposits were returned but once fully cleared funds would be released to me. Its been a year and half, funds were cleared then but my account remains frozen with no explanation why. 

Ive called the bank NUMEROUS times and even told them I was exempt from this act as it was Public Assistance. I received a letter telling me my account was closed around XX/XX/2020. I was advised by someone that once a bank closes an account by law theyre suppose to release funds. The bank never did and my account to date remains frozen and gains a few pennies in interest monthly. 

During my last call to them 2 months ago, the agent told me they would confirm the clearance of funds, why? I dont understand, and mail a check for my balance to me. They never did. They never sent me anything in writing confirming an update or response to my requests. 

Please help. Im desperate and feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: NC
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:
To many close accounts are showing missed payments in history. Because of this problem I can't get approved for other credit

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 2023-04-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive asked them to repeatedly stop calling me while Im at work but they keep continuing to do so. I work at a XXXX  and I can not have repeated phone calls between business hours They call everyday two times a day, for the amount of {$1500.00}

Company response to consumer: Closed with non-monetary relief