BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXXAcct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2021-10-10
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with Care Credit and I noticed a few months back for years they have been charging me XXXX a month for card security fee which I never signed or agreed to. I didnt even know what this was. I called the 1800 number on the bill and cancelled the service. When I checked my account again today. They are still charging it and never stopped. I dont know how this is legal.

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 2021-10-10
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened an online BestBuy.com account and made my first payment. I did not see the payment post to my online account for the " Order or Contract ID : XXXX '' - instead of placing a formal request for investigation through the Consumer Financial Protection Bureau , I created a " PissedConsumer.com '' account and placed communication / correspondence through that online orgainzation.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Maximus Education, LLC dba Aidvantage
State: OH
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:
I applied for the XXXX student loan pay pause refund on or around XX/XX/2022. At the time I was told I should receive check in around XXXX XXXX weeks time. 
I called again a few weeks later and was told that because of the amount of request, the time was pushed to XXXX weeks. I wasn't told if the refund was approved or not so I called back and told told that the refund was indeed approved. But the timeframe is still XXXX weeks. 
I called again a few weeks later because I received no updates. At this time I was told that my refund WOULD NOT be approved because of a case with XXXX XXXX XXXX XXXX I called XXXX XXXX and they told me that my case will not affect my refund. 
I called again and couldn't get anyone on the line to assist with a status. 
I called today ( XX/XX/2022 ) and told that my loan will NOT be received until XXXX weeks AFTER it is completed. 
I find this totally unacceptable. Everytime I call I get different information and everytime I call I get different reps providing different information or status updates. Now my refund is not scheduled until XXXX at the earliest. I planned bills and payments based on the timeframe in was given before. And now I feel I'm not getting accurate data from. Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion Consumer solutions is in violation of several laws under the Fair Credit Reporting Act ( FCRA ) and in violation of the Gramm-Leach Bliley Act and are reporting things on my credit. That by federal law are not supposed to be reported on my credit report. I have made several request to have the things corrected, yet I have been ignored and Transunion still continues to violate the law in which they need to be held accountable. As a company Transunion does not abide by the Fair Credit reporting Act ( FCRA ) at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: DISCOVER BANK
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I reached out to Discover Card via chat to let them know that I was struggling financially. My single parent adult daughter had been laid off from her job and I was trying to help her with eviction, food, and care of my grandchildren. I stated most of my payments were going toward interest and what options were available to me. They offered a fixed rate and a little lower payment contingent on me paying my payment ( not 30 days late ). I wasn't able to complete this request, but did make the full payment for XXXX. I again reached out and was told of the previous payment option and if I did this my late payment would not be reported to the credit bureau. I did agree and paid my first payment on XX/XX/XXXX under the payment plan ( although the amount due is higher than I originally paid and more than I expected. ) I requested and received a copy of my free credit report and to my surprise Discover had reported my payment being 30 days past due in XXXX. I reached out to them yesterday and was told " we are not credit analyst '' I didn't understand that statement. I stated I realized they were not credit analyst, but I was told my account would not be reported past due, but it was. Again, the agent stated they were not credit analyst. I was under the impression that if I entered into the payment agreement and paid I would not be reported to the credit bureaus as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I reached out on XX/XX/2023 to see what was going on. The only information I was provided was that I had a payment due on XX/XX/2023 for a card opened in XXXX. This information was all that was made available to me. This card was opened under the assumption and explanation that it had it's lump sum amount due 6 months after being charged, and that no payments were due in between. If the card was not paid in full at the 6 month period, all interest was charged retroactively. This is for a Care Credit card. The information was poorly veiled and made to ensure late fees were charged throughout the course of the promotional period.

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 2023-06-23
Company: Collections Acquisition Company, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted payliance dispute department about fraudulent checks that were written in my name to XXXX XXXX XXXX XXXX. I opened a case with XXXX police department regarding identity theft. I contacted the bank regarding the checks that were supposedly written. The bank stated, " that their was no existing account and the checks were fraud. '' The checks were not my correct name, not my signature and the ID used was reported stolen with XXXX police department way before checks were written. I've set several emails to payliance with the fraudulent case reported to the police department. I have called and left messages. The company does not return calls, gives the run around and does not respond to emails. I have requested that the debt be removed from my credit on numerous occasions and it still has not been resolved. 

-- -- -- -- Original message -- -- -- -- Date : XX/XX/23 XXXX XXXX  ( XXXX ) To : XXXX Subject : Attention dusputes department Here is the following here is the following " XXXX Police Department Case Summary '' report requested. 

After contacting XXXX XXXX for a second time after speaking to you. I was told by XXXX XXXX that due to the fallowing fact regarding the fake checks all charges should be immediately dropped and my credit should be restored. 1, The checks are fake and there is not actually account associated with them. 2, The name is not my actually name. 3 The signature does not even remotely resemble my signature. 4 The ID number is written on the check was reported stolen way before the check was ever written. 

You can also contact XXXX police to get that report. XXXX, XXXX XXXX has given me his contact information to pass on to you if you have any further questions regarding this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the start of the pandemic, XX/XX/2020, the mortgage company, Right Path Servicing, decided to pause my monthly payments. Three years later, I have been struggling since the beginning of this year to receive my monthly statements. I did apply for XXXX  because of my current situation. I am not able to complete my application because the mortgage company has failed to provide me a monthly statement. I have called, submitted ticket numbers, been transferred to various people, and I have not received a single monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, 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 XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX XXXX XXXX XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in 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 2023-06-23
Company: EQUIFAX, INC.
State: NY
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:
XXXX has disabled it's website and/or my account discriminating against me as a consumer from disputing inaccuracies, incorrect, fraudulent data with them directly. XXXX in conjunction with the following credit data furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has and continue to violate several Fair Credit Reporting Act laws. As a consumer I would like to exercise my right to the applicable following laws : 15 USC 6801 Protection of nonpublic personal information, 15 USC 1681a.2 Exclusions 15 USC 6802.a, b, c Notice Requirements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX LAST FOUR : XXXX ( DISPUTE CODE - XXXX ) Hello, my name is XXXX XXXX and my personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized accounts. Ive attached a police report pertaining to the incident and sent it to Equifax. In accordance with the Fair Credit Reporting Act multiple unauthorized accounts I have found on my credit report please immediately delete and remove all inaccurate accounts I have listed. 

In accordance with the Fair Credit Reporting Act XXXX, Account : XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I NEED this account XXXX XXXX XXXX deleted from my credit report profile. 


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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I NEVER AUTHORIZED XXXX XXXX XXXX OR THEIR ORIGINAL CREDITOR XXXX XXXX TO USE MY INFORMATION OR DONE ANY TYPE OF BUSINESS. I HAVE FILED A POLICE REPORT ABOUT THIS ISSUE BECAUSE MY IDENTITY HAS BEEN STOLEN THROUGH THE PANDEMIC AROUND XXXX. PLEASE REMOVE THIS DEROGATORY ACCOUNT I HAVE NEVER ASSOCIATED MYSELF WITH IT IS VIOLATING MY CONSUMER RIGHTS AND I WILL TAKE IT TO COURT IF THIS IS NOT REMOVED. 

- XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Account status incorrect

Complaint:
This is XXXX 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 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 
XXXX XXXX XXXX XXXX  Transunion, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, 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 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 2022-06-21
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 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 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 2022-06-21
Company: EQUIFAX, INC.
State: IL
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 received a copy of my credit report and around XX/XX/XXXX I asked for an investigation on my consumer report it came it came back on XX/XX/XXXX with some of the accounts deleted but XXXX XXXX  was still present it did not have my original contract dates it did not have my original balance it did not have my payment history and it had been sold to a dead buyer this account appears twice on my XXXX account with XXXX XXXX XXXX and also XXXX  the account number is XXXX I have not received any written authorization to disclose my credit file the opening date is not accurate the last active is not accurate please delete this account so violated my rights to 15 USC 1681 section 604a section 2 the law clearly states a consumer report agency can not furnish an account without my written instruction also 15 USC 1681i section 61158 l I I it states that items are found inaccurate or can not be verified the consumer reporting shall be promptly deleted and the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with non-monetary relief