BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
Dear XXXXXXXX XXXX  and Credit Bureaus, I am writing to express my concern and seek immediate resolution regarding an ongoing issue with XXXXXXXX XXXX, specifically involving a late payment report that contradicts consumer protection laws. Despite my attempts to resolve this matter directly with XXXX XXXX  I have encountered significant obstacles that necessitate this formal complaint. 

Firstly, the Client Resolution Specialist assigned to my case, XXXX XXXX, has not been cooperative. Despite my repeated efforts, including at least a dozen phone calls, XXXX XXXX has consistently failed to return my calls or provide the necessary assistance. Furthermore, the communication with other agents has been unhelpful and, at times, has worsened the situation due to serious internal miscommunication issues over the past year. 

A critical point of contention is XXXXXXXX XXXX 's claim that I had access to the web portal during the loan modification process, which I did not. This miscommunication was a result of a system error on the bank 's end, an issue I have raised multiple times through emails and phone calls. This I believe is not an everyday occurrence with all your customers and in this case a negative personal experience and not a standard procedure. Yet XXXXXXXX XXXX keeps reporting this information due to a negative experience stemming from their web portal on my Credit report. Despite providing evidence, including screenshots, to demonstrate the technical fault with XXXX website that led to the late payment, there has been a clear disregard for these facts by XXXX XXXX. 

This erroneous late payment reporting has unjustly affected my credit score and financial standing. It is crucial to note that the late payment report is not a reflection of my financial responsibility but a consequence of a fault within XXXXXXXX XXXX system. The lack of acknowledgment of this error and the subsequent negative impact on my credit report is a serious concern. 

I urge XXXXXXXX XXXX to conduct a thorough investigation into this matter and rectify the late payment report accordingly. I also request that the credit bureaus take note of this dispute and consider the information provided in the evaluation of my credit report. 

I expect a prompt response and resolution to this issue. Your attention to this matter is not only crucial for correcting my credit report but also essential in upholding consumer rights and the integrity of credit reporting. 

I also humbly request that the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience in this ongoing negative personal experience with the Bank. 

Sincerely, 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
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: Information belongs to someone else

Complaint:
I am trying to buy a house and these things are delaying my home buying process. 
I have been a victim of aggravated identity theft.I need these items removed asap. 
Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. 
Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn ; t provide sufficient proof the said has applied for anything. Thank you for your prompt 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 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: MN
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:
Apple credit card illegally reported 4 late payments on my consumer credit report. while under a billing dispute error XXXX 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Apple credit card never mailed any of these statements previously apple stated their policy is electronic statements- unfortunately in regards to the fair care reporting act federal law requires creditors to mail the statement - apple 's credit card policy is just their policy and not federal law under consumer reporting -If an open-end consumer credit plan provides a period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed concerning such portion of the credit extended for the billing cycle of which such period is a part unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made to avoid the imposition of that finance charge Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX  ) transmittal of funds to a creditor in excess of the total balance due on an account, XXXX XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX  ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Early Warning Services, LLC
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Account name CAPITAL ONE AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 73 Months On record until XX/XX/XXXX I have never been late on payments, and this car was a TOTAL loss, insurance and GAP paid everything. And this company reports to me that the car was repossessed, reports late payments and reports that the debt was paid for less than the value of the debt. I spoke with a person from Capital One Auto Finance and he told me to excuse them that apparently there was a mistake and that they were going to fix it, but nothing has happened, I sent all the information on the total loss to the 3 credit bureaus but they didn't do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XXXX THE COMPANY LVNV FUNDING LLC/RESURGENT CAPITAL SERVICES, WAS SENT COMMUNICATION VIA WRIT REQUESTING FULL VALIDATION OF DEBT ( REFERENCE # XXXX ). I REQUESTED THAT LVNV LLC AND ITS AFFILIATES RESURGENT CAPITAL, ET ALL, NOT CONTACT ME VIA TELEPHONE- EMAIL- AND RESTRICT CONTACT TO MAIL VIA U.S. POSTAL UNTIL THEY CAN PROVIDE VALIDATION DOCUMENTATION. ON XXXX I WAS SENT CORRESPONDENCE STATING " ACCOUNT SUMMARY WHICH PROVIDES VERIFICATION OF DEBT ''. 
THIS REPORT SUMMARY IS NOT PROOF OF OWNERSHIP AND THE RIGHT TO COLLECT ON THE DEBT. 
I WAS COMMUNICATED WITH AFTER A CEASE AND DESIST WAS REQUESTED IN THE LETTER. 
THEY FAILED TO PROVIDE ME WITH A PURCHASE AGREEMENT WHICH WOULD LET ME KNOW WHO HAS HAD OWNERSHIP OF THE DEBT. HOW THEY CAN COLLECT ON THE DEBT AND IF THEY CAN SUE ON THE DEBT. 
PROOF THAT THIS DEBT HAS NOT BEEN WRITTEN OFF AS A TAX LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-05-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I want my deposit returned! This was a secured card added to my bankruptcy

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 2018-04-07
Company: EQUIFAX, INC.
State: CT
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 had called equifax telling them that there is some enquirers on my report that i didnt to. & that I am a victim of identify, I faxed & mailed them my police report. 3 times with No response. They put a fraud block on my file when I called & I have disputed the inquires on several occasions & The inquires was never removed from my credit report. Which is attached in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
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 XX/XX/XXXX I was notified my info was breached in the XXXX XXXX BREACH and I promptly filed an FTC AFFIDAVIT and reached out to the credit bureaus.

In accordance with the Fair Credit Reporting Act. The List of accounts below and credit bureaus has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

XXXX XXXX {$10000.00} at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above accounts were deleted from the XXXX and XXXX but TRANSUNION has continually violated my rights still not having my correct info and has refused to help.

The reporting must be accurate and verifiable. TRansunion has blatantly and illegally have been committing fraud against me by stating they have verified and everything is accurate.

Why do my report still show accounts and addresses not mine even after there is proof your company has mislead me. I am also unable to acquire any free credit reports because TRANSUNION and XXXX systems is always down. 

I want those accounts removed and my correct info be on my report. 

Delete this address. This is a office building but.yet you have it as my previous address.I have never lived there. 

XXXX XXXX XXXX XXXX, ND XXXX My correct info. 

XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have attached a copy of my credit report to show your blatant viloations of my consumer rights reporting accounts not mine, addresses, and improper reporting of the accounts.. 

I want the accounts deleted and correct info be on my report. 
or I will be forced to take legal actions for the headache and frustrations, along with monetary loss I have endured for over a year!

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 2023-08-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
Disputed unauthorized accounts being published on my credit reports with Midland Credit Management on XX/XX/2023 and XX/XX/2023. My request for validation of these alleged debts have been intentionally ignored. I requested the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and Midland Credit Management with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.

As of today, the unauthorized accounts are still being published on my credit reports and I have not received any communication from Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2019 : Paypal I believe in response to my demand later PayPal suspend my processing account. They also suspend the account of a few clients. Without question, they've done it again and I quite frankly don't appreciate it. This has hurt my brand, as clients are now upset with me for their accounts being closed. Earlier that day, I spoke with a rep who asked me to provide a receipt and proof of material from a supplier. However, I informed him that because Paypal was the merchant processor than the receipt would come by way of how Paypal recorded it. Also, due to the service I provided is a digital one I didn't have a material supplier. I, also, told them that they could call my customer to verify that the service was provided. In the end, Paypal still suspended all of the accounts- mine and my customer. 

All this comes with no explanation on Paypal part and it's affected my business because they've frozen {$8500.00} for six months! I have a family and bills that are due soon. I have given them my client 's info for verification and they've refused to check with those they claim they're trying to protect. 

I don't know why they've done this to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Met woman on XXXX ( via her XXXX profile ), we got a long great and she was going to give me access to 'exclusive content ' for a fee of {$75.00}. Told to send to family and friends ( which is NOT covered by paypal disputes ) to the following e-mail address : XXXX. She also told me her name was XXXX, when her name on the account was XXXX XXXX '. Once payment was sent, she stopped responding to my messages. 

If anyone out there is going to pay for any type of service like this if the temptation is that strong, make sure it's NOT through family and friends, and make sure it's through your bank account with maybe .05 cents in paypal, that way you could stop payment with your bank ( that costs {$30.00} by thew way ) and have some piece of mind. But, you have to stop that payment ASAP. So basically, be as cautious as possible when dealing with these people and don't agree to their 'terms ', because it's basically pay me so I can cut you off. 

I told paypal to flag this account, so that the name/social security number/bank account associated with this e-mail address won't be able to do this again and hopefully suffer the consequences of her actions. That's pretty much it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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