BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : SXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/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 2019-01-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by a company named XXXX with the phone number XXXX and given a case number. They also contacted all of my family members stating that I was going to be arrested for intentionally defrauding a financial institution I contacted the company at the phone number provided and was told the same thing, I asked for information in regards to the debt and was given no information. I proceeded to ask for an address, what type of company they were, and for there professional license number and was told I could not have the address for there protection, they did not represent themselves as a debt collector in any way and stated they worked for attorneys, and they stated they didnt have a professional license number to provide. They have called me and my family members from local numbers, spoofing there real identity at least 16 times a day. When I asked for a bill or something stating what the debt was for I was denied this by being told you have already received that from the company you borrowed money from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
When accessing my Bank of America credit card account, I have noticed that even with the redesigning of the site, the information displayed is viciously misleading, which has lead me to miss and/or misunderstand the amount due. On XX/XX/XXXX at XXXX PST I called Bank of America credit card services to not only express my concerns, but to inquire about an interest charge and to understand my ACTUAL balance due. After the rep spoke with me, and condescendingly explained the charges and information displayed on the website, I expressed great concern for the manner in which information is being displayed and asked the rep to relay my concerns to her boss who should also relay it to their boss. See pictures attached, pay close attention to credit card information displaying the current balance, statement balance, payment due date, etc., etc., etc. Upon speaking with the representative tonight, I repeated myself several times to ensure that I knew what balance is due this month. The rep told me that {$0.00} is due because I made a payment in full on XX/XX/XXXX ( displayed on my statement on XX/XX/XXXX??! ). The rep went on to state that, even though my online dashboard shows that I have a statement balance of {$2000.00} due by XX/XX/XXXX, and a current balance ( with no due date anywhere is sight ), {$1500.00} will be due on XX/XX/XXXX. " Okay, great! Thank you!, '' I exclaimed, " but this is definitely NOT what is displayed on the online dashboard when I log in to pay my account! '' When I explained this to the representative, she stated, " log back in on the XX/XX/XXXX and the amount due will be {$0.00}. '' This is not a solution. To log back in after the close date of the credit card means that I could be late on paying my credit card. That does not help me to understand what amount is due on the XX/XX/XXXX. What I do know is that every month my balance is due on the XXXX and I have until the XXXX to pay the balance in full or I will be assess an interest charge. I also understand that the balances due are incurred from previous months. I understand this all but this is NOT what is displayed. I feel this website is purposefully misleading or someone is just really bad at designing a website/dashboard. My credit card was opened in XX/XX/XXXX and I have been dealing with this issue since I opened the card. I take pride in paying my credit card in full every month but it is purely because of how Bank of America continues to display misleading information that payments are missed or late.

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 2023-08-22
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX

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 2023-02-07
Company: Experian Information Solutions Inc.
State: MO
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:
For years I fought against collections from a XXXX XXXX XXXX XXXX, claiming they have accounts from XXXX for years I did not visit the hospital. The reputation of the doctors incompetence, as well as the overcharging XXXX does keep me away, and instead I visit local clinics and pay for my visit the same day. I have not had any significant medical issues since I was XXXX, and hit by a vehicle. That was the last time I would go to that hospital, except for with others when they would go. 

My issue is that both XXXX and XXXX took this information, found the investigation in my favor that the company could not furnish proof that it wasnt identity theft. I took this information to Experian. Using my other credit reports to show that they had been removed, the dispute results from both XXXX and XXXX, and tried to fight this collection on my Experian. Experian investigated one account out of two, and labeled to other as correct and refuses to take any more information or change their decision.

Essentially they looked at the two accounts from the same company and said one could be removed, but didnt at all bother with the second investigation. I never received information about the dispute in progress other than for the account that was removed.

I also want to add that I could not dispute them online when I started this process. I had to call and speak to a representative, and I believe that he did not enter my dispute in correctly then.

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 2021-05-27
Company: Experian Information Solutions Inc.
State: NH
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:
My credit report with Experian shows factors at the bottom of the report that are negatively affecting my credit score. They include a " serious delinquency '' and " short account history. '' However, I have never been late on any payment and do not have any delinquent accounts. Additionally, my oldest account is XXXX XXXX XXXX and they show that my oldest account is only XXXX XXXX XXXX. I have tried several times starting before XXXX of XXXX to resolve this with the company. Regarding the serious delinquency, there is no account to dispute online because I do not have any delinquent accounts. The dispute department when I call says to just ignore the summary at the bottom because my credit report is otherwise good. However, I got denied credit when my credit report was pulled through Experian because of a serious delinquency and the length of my account history. Their solution so far has been to tell me to ignore that part of the credit report, but it is affecting my ability to apply for a loan. It is very difficult to get ahold of anyone and when I do, they transfer me back and forth between departments instead of taking any action. My Experian credit score is currently XXXX points lower than the other two credit reporting agencies, so their data is affecting my credit score and they have not provided a solution to fix it. They will not let me speak to a manager and the last time I talked to someone they said that my credit report is good and they can't do anything about it.

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 2021-05-27
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:
XXXX  # XXXX was used fraudulently

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 2023-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXX/Equifax/XXXX  regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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:
Upon looking at my Transunion Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review

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 2018-11-02
Company: EQUIFAX, INC.
State: NY
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 try several times to contact the Equifax to resolve the problem that i have on my file.They take action against me not remove the item after a reporting company request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1 told the XXXX, Transunion, to reinvestigate these accounts : Account name : Office of attorney Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-10-16
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over XXXX XXXX  and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.

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 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Submitted a dispute for a portion of a charge for services which were performed improperly and incompletely, which resulted in damage to my vehicle. I disputed {$450.00} of the total charge of {$870.00}.

The disputed charge is the first line item in the attached bill of service : " Major Tune Up, Parts and Labor ''. I disputed this charge because the spark plugs were improperly installed, resulting in my having to take the vehicle to a XXXX dealership for correction, which cost me an additional {$190.00}.

Bank of America refused to credit me the {$450.00} ( all correspondence is attached ) even after I provided written validation/verification from the XXXX Service Manager ( in addition to the invoice, which clearly states the spark plugs were loose/not installed properly ).

Bank of America DID NOT provide Consumer Protection to me in this case and the dispute process was a complete failure.

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 2022-12-28
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies  and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-06
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:
All prior month and lastly XX/XX/XXXX Balance on XXXX XXXX was reported to all credit agencies including Transunion. 
Transunion had been reporting the correct balance up until XX/XX/XXXX of {$5000.00} Transunion then reported the new updated balance of {$220.00} on XX/XX/XXXX Transunion on XX/XX/XXXX removed the XX/XX/XXXX correct balance which then dropped my credit score by XXXX points I called on XX/XX/XXXX to file a dispute, called again on XX/XX/XXXX to check the status and was told they do not have a dispute for me. 
Filed another dispute of the balance on XX/XX/XXXX stating the balance is incorrect with XXXX XXXX. 
I contacted the creditor XXXX XXXX on XX/XX/XXXX and they have provided the balance to Transunion every month, XXXX, XXXX and XXXX but they have refused to update the correct balance. 
As of now, their investigation is completed and they still have not corrected the balance with XXXX XXXX which should be {$290.00} and not {$5000.00} as they have listed.

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: Experian Information Solutions 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-12-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report too Enclosed are the following : The fraudulent items are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX  XXXX Account # XXXX Account # XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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