BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
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: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. 

Account name : XXXX XXXX for XXXX XXXX Account name XXXX XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

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 2023-05-31
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:
I implore you to take immediate action to remove these records and update my credit report accordingly. This situation is causing me significant distress, and I kindly reque

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 2022-09-08
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.

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 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been attempting to rectify the situation with Bank of America by calling various executives including the Assistant General Counsel to no avail. After further review of my account I located {$490.00} worth of bank fees on XXXX account alone within the last month. All of these were based off of Bank of America allowing electronic payments to post and then charging my account a bank fee. The most recent fee was for a {$7.00} charge that they returned to a vendor that last month they choose to pay as a " courtesy '' when the transaction was for well over {$100.00} and the account was overdrawn for a lot more than it was when they returned the {$7.00} transaction. When I asked them to place a block on my account so that if I do not have the funds in the account electronic transactions can not be processed, which would avoid the overdraft fees being assessed I was told that it could not be done since my account was overdrawn. 

In addition to their unresponsive, unethical, and dishonesty I located XXXX erroneous transactions just with a preliminary review of my account. These transactions along with the bank fees that were assessed to my account put it in the positive, therefore there justification for removing funds from my savings account to cover the fees that they placed on my account is even more so ridiculous. Out of the {$540.00} that was taken from my savings account from the funds that I had already authorized to be paid to XXXX XXXX on XXXX/XXXX/15 at least {$490.00} of it was to cover fees that they placed on my account to cover transactions that they either " courteously '' paid or for bank fees that were assessed to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting 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:
Well, I been tried the figure about credit score or reporting what kind of whatever I wasnt sure if that not sure how it working from what I never knew what is! however every time I wont get approved because I never knew what is my score reporting or credit and so on since I have no idea what is the score and so what I not sure how come to that I can not get any approve nor any way prequalified likely wont approved me ever since I had never knew what is credit or scores report the frustration all times I never got anything from there ever since that I trying tried every apply any credit but caused of what is issue wont approve me because of my credit or scores reporting?? Honest I have no idea how it work that what I still never knew what is scores nor that anyway. I need resolve the issue and whats going on even need know why either that I do complaint which should my rightly to know but I been very frustrated tried find way to able to get it instead said kept unfortunately not prequalified because of credit or score reporting likely I still never knew nor didnt get any know score credit nothing about, or any way from what my understand but why and I dont have any use credit card last in the old pasted thats it last. But shouldnt have any happened from there. So like I said need resolve an issue about where is any score is that it coming from?? And all I know nothing score of credit or reporting either.. I have no idea really. So from what I need know That is all I need know is a BIG Question the why! Seriously and need find out kind of issue though

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Activehours
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am an Earnin XXXX user. My paycheck goes through your third party bank to cover my paycheck advances, and you use your instant deposit feature to deposit the remaining balance into my XXXX XXXX  XXXX account. All of the sudden my instant deposit feature was revoked without any rhyme or reason. The app also shows I was paid today, my normal payday. ( which I shouldve have been ) but I have yet to receive funds in my personal checking account. Ive reached out multiple times as last as Monday the XXXX of XXXX and as recent as today, the XXXX of XXXX. And I get the same response that your engineering team is working on it. But youre holding up my paycheck because your system is broken and thats theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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 status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party 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 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 2022-12-25
Company: EQUIFAX, INC.
State: SC
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. 

XXXXXXXX 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 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paypal does multiple calls everyday in order to collect a debt before its out sourced to a debt collection agency has called 4 times today then when I brought up how many times a day theyve called it was simply your state law allows 6-10 calls a day along with that anytime I look up the number called by ( ( XXXX ) XXXX ) it comes up as scams so could not be even PAYPAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: Uplift, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently reviewed my XXXX credit report which indicated two collection accounts from XXXX XXXX XXXX XXXX XXXX in the amounts of {$850.00} and {$540.00}. The alleged original creditor is Uplift. According to my records, I did not receive written notice of the debts from XXXX XXXX XXXX XXXX XXXX, and my right to dispute under the Fair Debt Collection Practices Act. As a result of their most recent actions, I have suffered great harm to my credit score as a result of these alleged debts being reported as collection items. Please note that I have filed a previous complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) about the same issue regarding written verification of the debt and the right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: 3rd Generation, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Debt Was originally with California auto finance who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. 3 or 4 other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. 3 or 4 other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.

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 2023-12-21
Company: Experian Information Solutions Inc.
State: MD
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 2019-04-04
Company: Experian Information Solutions 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:
I have paid the debt with the original credit with XXXX/XXXX   service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.

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 2019-01-14
Company: DISCOVER BANK
State: AL
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:
Discover is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
Company: AES/PHEAA
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:
Fedloan Servicing a company that is being dissolved on XX/XX/2022, has no one in their offices that can handle any disputes because it is basically going out of business. My issues as it stands is, I had a defaulted student loan, which I have now rehabilitated and is now with a new servicers XXXX. The US Department of education has fixed or removed all bad reportings on my credit reports, except for Fedloan Servicing my original servicers who told me that once I rehabilitated my defaulted student loan that the account would either be removed from all three Credit Bureaus or reflect a good standing, so that I would be eligible for applying for student loans again. When I applied for student loan financing through XXXX XXXX is how I discovered that Fedloan Servicing still wasn't reflecting a good standing like the other Servicers. As of XXXX XXXX, of XXXX  they Removed the Fedloan Servicing Account from XXXX, and XXXX, but they have not removed the account from XXXX. See Attached.

Company response to consumer: Closed with explanation