BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have had a charged off account from XXXX XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. 
From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected XXXX XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX  on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. 
I have disputed it with Transunion, I have involved the XXXX. At this point, Transunion said I should file a complaint here The contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC 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 2022-05-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We have made multiple attempts with XXXX to help us contact Caliber Home Loans and we provided from our checking account the timely payments we made our mortgage. They quickly rush to a decision in 2 days saying its accurate and it will stay as late. 

This is impossible when the customer is providing proof- they dont even investigate. 

This is the recent # XXXX This is for both my husband and my mortgage account for the late reported payments of XX/XX/2021, XX/XX/2021, this should be corrected as timely on all 3 credit reports immediately.. 

XXXX XXXX / XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX, 2020 my payment did not go through when it was on auto-bill. I reached out to the company and they said that they canceled my auto-bill payments in XXXX. I didnt receive any notification about canceled payments. When I tried to resolve this problem with the bank they did not resolve it. They never notified me about the auto-bill cancelation. After it they left a negative mark " late payment '' on my credit reports. And now I can not get a mortgage because of this mark on my credit reports and Ally Financial will not help me with this unfair situation.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On Transunion ( Inaccurate 2 late payments reported ) in 2020 - XXXX - 30 days late, August 60 days late On XXXX ( Inaccurate 1 late payment reported ) in 2020 - July 60 days late On XXXX ( Inaccurate XXXX late payments reported ) in 2020 - XXXX - 30 days late, July 60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was opened in my name that I wasnt aware of in XXXX for the amount of XXXX from capital one. Also miscellaneous credit applications was also applied for that put hard disputes on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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 2023-08-22
Company: EQUIFAX, INC.
State: OH
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:
IT HAS NOW BEEN 32 CALENDER DAYS PAST FROM THE DATE XX/XX/2023, UPON RECIEVING MY REINVESTIGATION DISPUTE LETTER FOR BOTH XXXX XXXX XXXX EQUIFAX THE FOLLOWING DOCUMENTATION OF FURNISHED INFORMATION IN DISPUTE IS INDEED SHOWING MULTIPLE INACCURACIES, INCOMPLETE & UNVERIFIED ACCOUNTS! 

AND ARE NOW AND HAS BEEN IN VIOLATION OF THE FOLLOWING FDCPA LAWS! 
15 US CODE 1681i ( a ) ( 1 ) ( A ) 15 US CODE 1681i ( C ) 15 US CODE 1681i ( 2 ) ( A ) 15 US CODE 2681i ( 6 ) ( 7 ) PLEASE DELETE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX Account Name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX and XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX, XXXX, and XXXX Account name : XXXX XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction 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 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.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

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 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2023-01-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account # XXXX Account Name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account number # XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX and XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX, XXXX, and XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction 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 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 1681XXXX XXXX XXXX  have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

9,102

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have a US Bank Reliacard that was lost and account compromised. I went to the US bank located on XXXX and XXXX XXXX XXXXXXXX, XXXX and advised of the situation. I expected if anything that the card would be shut down or instructions provided how to do so. I also expected to be able to withdraw my funds from the bank with my XXXX  XXXX ID. To my utmost dissatisfaction I was advised none of these actions could take place. I was denied my finances which caused me an array of harm and financial damage as I needed my funds and did not want a fraudster to obtain access for unauthorized use. 

I did receive a card however, I was assured that the XXXX XXXX would call back to discuss resolution and no call to date, has been received. 

I am mitigating my own risk by contacting the State of Nebraska and advising that I am discontinuing the use and the Reliacard relationship with US Bank as their security protocols are not designed to ultimately protect the people that use their banking products and I also need to find a way to be able to obtain my hostaged funds. 

I believe that this was an Unfair, Deceptive, and Abusive when especially a situation as this occured about a year earlier and they were able to provide funds and get my card shut down that day. To date this debit is still open, the balance is still obtainable to whoever has this card until I can officially get it shut down. 

This is in no way how you treat a customer no matter what US Banking product it is. If it looks like a duck, quacks like a duck it is a duck. If it looks like a US bank card, behaves as a bank card and says US Bank then it is indeed a banking product. 

The only resolution that can be provided is to resecure the card by shutting it down and allow me funds recovery by being able to withdraw my balance from this Institution.

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 monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
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:
THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST XXXX XXXX XXXX. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. 


THIS IS FOR RECORD OF ATTORNEY. 

RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 

XXXX YEARS LATER AND XXXX XXXX JUST REPORTED TO MY EXPERIAN XX/XX/2022 THAT I AM XXXX MONTHS LATE YET XXXX AND XXXX XXXX XXXX CLOSED ACCOUNTS. 

ALSO I AM A XXXX XXXX AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX accounts have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Thank you.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MO
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 response to consumer: Closed with non-monetary relief