BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX on XX/XX/21, they stated they are having issues with their system that incorrectly sent out information to Transunion and XXXX. They also stated the problem would be fixed. The information caused me to lose out on getting a house. As a result of the incorrect information my credit score decreased by XXXX points. I am getting no where with this issue. I have not received a call back as they said they were going to call. They also stated that they did not see any debt under my name.

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 2022-12-20
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: Personal information incorrect

Complaint:
Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report.

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report.

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A XXXX  card account number XXXX*that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting which is a violation pf FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit. Tracking number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. XXXX is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Requesting for XXXX Late Payment and Account Removal. Requesting XXXX to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
a letter was mailed to transunion via a dispute XX/XX/23 going over some items that i felt were inaccurate. The company has yet to respond and correct the issues on my score affecting me from buying a house.

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 2023-07-18
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$4000.00}.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have sent several letter communications and I have received no results and no actions have been taken to fix my report. None what so ever on all credit bureaus. Trans Union XXXX and 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 2019-10-12
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I had a student loan back in XX/XX/XXXX, eventually due to financial issues I could not pay back the loan and the loan was sold to a different student loan servicer called Navient sometime in XX/XX/XXXX and the collection process started again but I did not receive any notices in the mail or calls over the phone, nothing informing me that they were collecting on the student loan. Since I live in Florida and hurricane Irma came around during that time they put the payments on hold until around XX/XX/XXXX. 3 months later I finally find out because I noticed my credit score dropped substantially and I looked to see why and I find out about Navient and that I'm 90days late on the student loan payments, so I immediately pay everything in full since I have a better job now and have continued to make payments on time since then but the damage was done, my credit was set back big time and it will continue to hur me for the next 7 years. I called Navient and explained what happened.. They state that they only accept letters mailed to a certain dept to address those kinds of issues, seems like businesses do that to make it harder for consumers to get things fixed. I sent the letter around XX/XX/XXXX but I haven't received any sort of response. I understand that the student loan was something I am supposed to be responsible for and I tried to be back when I tried to pursue a higher education but if I have known ahead of time that the transition happened with Navient 8 years later I would have committed to the promise I originally made when I was 18 especially since I have become a much more responsible adult over those years but the 90 day late payment tells a different story about me, one that says I'm irresponsible, that I don't follow up on my promises. It has set me back on reaching my financial goals like buying a home and getting a good interest rate on my car. I hope by doing this it can help set things straight

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-07-18
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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXXXX/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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-05-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/21 I received notice from Synchrony bank that my account was now closed, the only information provided was " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' I have had the account for years and have never been late on a payment so I do not know the reason for closure. As a result of the account closure I have lost XXXX in rewards that were available prior to the account being closed. After numerous contacts with the company they state rewards are forfeited when an account is closed. That seems fair if I were to close the account, but I was given no notice the account was being closed and therefore no opportunity to withdraw the rewards. It seems to me Synchrony can just close any account without notice to take rewards the were properly earned

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 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Capital One closed my account. I was getting a loan for my Business. They was saying its Fraud. But its a LOAN which Im not understanding why its fraud. The amount should have been {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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 information incorrect

Complaint:
On XX/XX/22 I received a credit alert from Experian informing a New Credit Card had been added by XXXX XXXX XXXX of which I did not open. So I contacted the number from my credit report and got a recording to leave a message, so I did. On XX/XX/22 I still had not heard back from them so I called and left another message, not trusting I would hear back I went to their website and opened an inquiry ticket # XXXX. I also submitted a dispute case with Experian and they also suggested I open this fraud case I am submitting now. I heard back from XXXX via email on XX/XX/22 about my ticket requesting my name, email, DOB and last 4 of my SS for verification of who I was, so I responded. Then on XX/XX/22 I get an email back stating " In order to provide you with more details about this fraudulent account opening, please submit a subpoena or search warrant to XXXX ''. This company is a scam and no one should have any account dealings with them!

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 2022-10-29
Company: Experian Information Solutions Inc.
State: OK
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 EXPERIAN has violated my rights, 15 USC 1681 Section 602 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent. 
I have NOT given my consent to do so, I wrote a letter certified mail and received an email saying they are processing my " dispute '' I did tell them to dispute anything, I demanded a DELETION! 
Those accounts are INNACURATE, and I have DEMANDED Experian to delete the following accounts IMMEDIETALY : XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXX  : {$10000.00} XXXX XXXX  XXXX : {$6500.00} XXXX : {$6300.00} XXXX XXXX XXXX : {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
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 recently received a copy of my credit reports, and noticed some inaccuracies on my file. I then contacted each of the three major credit bureaus to have these items investigated. XXXX removed all items that I was concerned about. XXXX and Transunion refuses to follow their own laws put in place. All items investigating must be shared between all three major credit bureaus in order to report the same information on all three bureaus. In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately.

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a few hard inquiries on my credit report from XXXX XXXX and capital one and I didn't authorize and I didn't give permission for my credit to be ran. I would like for those inquiries to be reflected as deleted off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is inaccurate information on my Transunion consumer report. I have already contacted Transunion and submitted a dispute. They are stating that there is a judgement of possession against me. The Attorneys confirmed that I returned the keys to the apartment complex and there was no need to come into court because the case was dismissed. I received a letter stating that the case was dismissed. I moved due to mold and the apartment window falling on my child. There was no balance due, and nothing was on my rental history reports from XXXX in XXXX this inaccurate information is on my report. I disputed this inaccurate information with XXXX on XX/XX/XXXX when I applied for an apartment for XXXX XXXX. The inaccurate information was removed. I applied to XXXX XXXX apartments who use a service provided by XXXXXXXX declined my rental application due to the inaccurate rental information. I disputed the information and TransUnion refused to remove it. I am requesting that the information be removed because it '' XXXX not correct. I was never evicted, and I do not owe any funds. 


Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX : XXXX XXXX XXXX XXXX State : CO Court File Number : XXXX Filing Date : XX/XX/XXXX Release Date : XXXX Record Reported Date : XX/XX/XXXX Amount : {$0.00} Action Type : Judgment Of Possession Filing Type : XXXX XXXX Plaintiff : XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-05-25
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
- Received a bill from XXXX XXXX for {$160.00} sent a check directly to the company on XX/XX/XXXX. 
- This was the only bill I ever received from the company, and as soon as the bill was received, I mailed a check. 
- Mortgage broker pulled a hard inquiry on XX/XX/XXXX and found I had an account in collections for {$160.00} -- the same amount as the initial bill - XXXX XXXX XXXX on XX/XX/XXXX and spoke to a contact over there who said there was a second, unpaid bill for the same amount ( {$160.00} ), and it had been sent to collections. 
- During my conversation with XXXX XXXX, I paid them in full for the amount on file ( {$160.00} ) - I had never received any notice of this second bill, just the initial one that was paid for the very similar amount. 
- I was never informed in any capacity that this account has gone to collections, nor was I notified that it WOULD go to collections if it remained unpaid. 
- Collection agency did not communicate with me directly in any capacity - If I had known about the bill, it would have been paid immediately and on time before even going to collections. 
- My credit report was spotless and exemplary, above 800, before this incident and has dropped substantially since then to under 700.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation