BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-08
Company: Experian Information Solutions Inc.
State: NY
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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 2023-08-11
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: Reporting company used your report improperly

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and noticed several errors that require your immediate attention. 

Firstly, the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both located in XXXX, MD XXXX, do not belong to me. I request that you remove these addresses from my credit report as soon as possible. 

Secondly, the employer listed under my account number as US Dept of Education and US Department of are incorrect. I do not work for either of these organizations and request that you delete them immediately from my report. 

Thirdly, I noticed that the account number XXXX XXXX XXXX XXXX  has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

Fourthly, the account number XXXX XXXX XXXX XXXX  does not belong to me, and I request that you remove this inaccurate information from my credit report immediately. 

Fifthly, the name listed under my account number as XXXX XXXX XXXX belongs to someone else. I request that you delete this name from my report immediately. 

Sixthly, the previous address of XXXX XXXX XXXX XXXX XXXX in XXXX, MD XXXX is listed twice under different account numbers. This address does not belong to me, and I request that you remove it from my credit report immediately. 

Seventhly, the inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, and I request that you remove this inquiry from my credit report. 

Finally, the account number XXXXXXXX XXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

I appreciate your attention to these errors and request that you take the necessary actions to correct my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2020-04-09
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
at the end of 2018 i statrt receiving a calls from collecting agency called pro collect in regards to lease apartment  at XXXX XXXX XXXX  XXXX  in Texas, so i thought it was a scams calls because i never lived in Texas i live in XXXX XXXX Nevada, then they sent me a mail with all the information, i went to XXXX XXXX police Department and i filled a Fraud complaint, i send i to the collection agency, the said this is not enough they still beieve it's me, and the XXXX XXXX Police department were not able to run invistigation Due to Jurisdiction matter, i report a theft identity and also send it to them a long with my ID and the lease for where i live in XXXX XXXX so to confirm that i was living in the different place for the same time, Also i filled online police report In texas but never get any reply from them, finally i filled a complaint with Texas attorney General and the refere me to report it here please this is on my credit report for the last two years and it's effecting me a lot and all the dates and details it's in the attachments

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt I have reached out to XXXX  the original owner of this account, XXXX XXXX and XXXX. I never received any information for what this was for I dont owe this company I paid my rent until I left and I dont have any past due bills at this place also there were no damages that were sent to me and I have videos and pictures of my move out and I was not given my deposit or given a breakdown of why which is illegal. This is a fraudulent debt that this company is picking up and they dont and still have not provided me what this is debt is for every time I call I get no answers for what this is for they just say they are waiting on the originator to send them the information. But I know its illegal to report a debt on someones credit without any knowledge of what the debt is for. I will be taking this company along with transimunion to court this is ridiculous and it has been over 45 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 non-monetary relief
Consumer complaint received 2020-04-09
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I purchase four purses on XX/XX/2020 for {$110.00} in total via Paypal, which is linked to my primary checking account. The merchant never shipped the purses and instead charged my account twelve times for {$9.00}. The total deducted from my banking account was {$110.00} which was NOT authorized ( I authorized {$110.00} ), nor did I get my purses. I went to check on the status of the order and the merchant appears to be out of business as their website isn't coming up now. Paypal denied my dispute in case XXXX and I can not get refunded the {$110.00} even though I never got my merchandise and the merchant appears to have ghosted. I've filled out a new case request of XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has no email or phone call proof that I ever asked the consolidation or a 2 year accelerated agreement. Asking for more information about something is NOT proof of completing an application NOR proof of signing a contract. 

In 20 years they only have Just 4 random documents with no context provided, 2 of which were FORGED by XXXX XXXX as I have never seen them in my life! And 2 that have handwriting on them ( 1of which being the original sallie mae stafford loan from 1999 which has nothing to do with the consolidation ) XXXX and XXXX provided direct conflicting information in writing on electronic records with XXXX putting in writing that it was a 3rd party company and you saying it is in house. 

I addressed this point directly advised how to file a fraud claim if you dispute the validity of the account in my previous response to XXXX and that was completely ignored in XXXX response as the application disqualifies me completely based on its instruction that the loan must be currently held by the DOE for which Navient previously confirmed it is not and that was the reason it was not under administrative forbearance. 

I asked for proof that I requested what Navient said I requested and they did not provide it. Just simply made excuses of why they can not prove when, where, and how I requested it ( more information request doesnt count as that is not asking for the specific application nor did you provide any context proof of why a check stub was submitted when it wasnt required for the form that I supposedly requested, filled out incorrectly, and completed online even though the form clearly says fax or mail ONLY!!!! 

Finally I have asked Navient over 50 times by email including copying in the General Counsel XXXX XXXX and the CEO asking for the proper address to have them served with a lawsuit and they refuse to give it by simply ignoring the email request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2022-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
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:
Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. Grantor refuses to give me any statements Images reflect loan was taken out in 2018  and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never made a payment whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX, Experian, and XXXX have deeply failed me. These companies have not responded to my disputes over the last 60 days. 

There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please 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
Consumer complaint received 2022-05-05
Company: Global Lending Services LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Global Lending Services is advertising on their website that customers can make a due date change to their lease at anytime, but when you call in and make the change their stating that you have to do it two weeks prior to your due date coming up and have to pay the amount. It is frustrating because they are providing different information then whats on their website. They didnt provide me with a full contract of what my lease states and There isnt even a way to see your contract on the website. 

No one should have to go through this. Hey provide accurate information on your site so that we dont look or feel XXXX when we call in. 

Then the XXXX XXXX laughed on the phone as if it was funny to be advertising something that isnt accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2022-10-08
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX - Called Aidvantage to request a refund of {$20000.00} since I paid loans off during covid ( post XX/XX/XXXX ) per cares act. 

XX/XX/XXXX - Called again to make sure refund request was put in. They said it requested. ( Hearing and seeing people who requested refund but they didn't put in request. ) XX/XX/XXXX - Called again to see where refund request was at and wondering why Aidvantage didn't update refund only when it's been XXXX weeks since request. They said it was approved but was sitting for manager request to send out to Department of Education. They said it'll be up to XXXX weeks before it updated. 

XXXX - XXXX week mark, but I didn't call yet. Refund nor payment was reflected on Aidvantage sight or studentaid.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madam : 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.

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 2023-05-04
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this morning I check my credit report and notice that XXXX has opened an inaccurate account ( SANTANDER CONSUMER USA ) that has been closed since XXXX, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and Santander Consumer Usa hasn't gave me my disclosures, per 15 usc 6802b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
in XX/XX/2020 I was apprised of Many MAJOR Negative accounts being reported on all 3 CR bureaus, all due to Theft of my Identity. I disputed MANY times, even Completed the FTC ID Theft protocol, submitted to Each & Every creditor & All 3 CR bureaus my official statement & Declaration from the FTC declaring my Identity had been compromised. Only 2 Creditors accepted & Removed said derogatory reoortings. The CR bureaus VERY Hastily " Completed '' their " investigation & in their Opinion, I was WRONG & False Derogatories Remained. There are Several negative reports spanning LONGER than the legal 7 years. There are also approximately 75 Credit Inquiries which I Never Approved nor instigated which has been Equally Detrimental to my credit rating, which they REFUSE to Remove these callous & malicious acts it has Cost me Financially, both by Employment, Housing & vehicular purchase. PLEASE 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have asked for verification documents including the original signed contract, dates the account was open/closed and deatiled fees and interest charges. I have not received anything pertaining this matter.

Company response to consumer: Closed with explanation