BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXXXXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX XXXX  opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXXXXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute 11 : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : XXXX  XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXXXXXX XXXX  made on XX/XX/XXXX Dispute 17 : XXXX XXXX  made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, 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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This car loan doesn't belong to me the subject : XXXX XXXX XXXX ( without prejudice )

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page XXXX of XXXX of the federal consolidation loan application and promissory note. XXXX send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXXXXXX XXXX XXXX XXXX XXXX my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. XXXX without the Disclosure Statement and Repayment Schedule means no money was distrubited. XXXX on page XXXX of XXXX of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX why? The loans listed on page XXXX are not my federal student loans. XXXX send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
XXXX you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. XXXX you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. XXXX you have damaged me. XXXX it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint XXXX does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file. 
XXXX send me the Disclosure Statement and Repayment Schedule now.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. 

XXXX ) I've only one XXXX XXXX. But on my credit reports, it's showing that I've two XXXX cards, which is clearly false. 
XXXX ) I've no balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my TomoCredit account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} balance for each XXXX card, so it becomes {$190.00} balance for two XXXX cards, which is also clearly false. 

I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$190.00} balance across two XXXX cards, with false late payments still being counted. 

I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been more than 2 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( XXXX, Equifax, XXXX ). This's a major issue and seriously has to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}

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 2023-07-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XXXX XXXX XXXX, 2023, I deposited business checks into my bank account. Unfortunately, the company that issued the checks was a victim of theft and their bank account was compromised. I made this known to the bank last week. I was then told that a hold was placed and it was supposed to be released on the XXXX of XXXX, 2023. I then for security reasons opened a new account on the XXXX of XXXX, and I spoke to XXXX XXXX XXXX and I made an appointment with him for the XXXX of XXXX, 2023 at XXXX. When I met him, everything was up and running. Two hours later my account ( XXXX ) were frozen with no explanation. I had to make numerous phone calls a return trip to see XXXX XXXX, further communication to XXXX XXXX the branch XXXX at the location I went to at XXXX XXXX XXXX XXXX. XXXX. XXXX, FL XXXX. I have over XXXX frozen over an issue I did not cause. I was supposed to receive a call from a retail specialist supervisor, and that person never called me. I am without my money and I am not sure when I will get it, and I am a XXXX person and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reached out to the companies that pulled my report. I have been in XXXX data breach XXXX data breach and XXXX XXXX XXXX data breach and someone keep pulling my info please Delete all hard inquiries .. none of them are associated with no 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 2023-03-09
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  account XXXX XXXX has violated my rights 15 USC 1681 section 602 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 15 USC1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My goal is to get a refund of {$10000.00} of the voluntary payments I made in XXXX starting XX/XX/XXXX totaling to {$15000.00}. My servicer during that time was XXXX XXXX. Supposedly the day I called to get a refund, XXXX had started the process of transferring my paid in full account to Aidvantage. Starting in XX/XX/XXXX, my account did not exist with neither XXXX nor Aidvantage for months as I continued to call. Only today, XX/XX/XXXX have I been able to register my account. Now, as I called today, I am informed that while my account is now established with Aidvantage, they still can not process the refund since they do not have the payment history from XXXX XXXX. They were not able to give me a specific time window which I could expect this process to be complete. I am concerned about how long this process will take after having waited XXXX months already for action on their part. Aidvantage has refused to accept my bank statements as valid proof of payment to XXXX during the loan deferment of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reached out to the companies that pulled my report. I have been in XXXX data breach XXXX data breach and XXXX XXXX XXXX XXXX breach and someone keep pulling my info please Delete all hard inquiries .. none of them are associated with no 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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 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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 do not know who this collection companies are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency. If you can not provide me a SIGNED DOCUMENT and not a statement of accounts of this collections within 30 days from this dispute, please get them deleted as soon as possible.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Afternoon : I AM A Victim Of Identity Theft/ Mail Fraud/ Internet Fraud/ And Cyber Fraud ; Whereas , A Police Report Was Submitted ; As, A FTC ( Federal Trade Commission ) Document Simultaneously. With That Said, The Enclosed Negative Accounts Are A Result Of Such ; Whereas, The Mentioned Financial Instruments ( Credit Cards, Loans, Mobile Accounts, Credit Inquiries ) ; Are Not, Of Legitimate Means, To My Identity ; And, Are Used To Acquire Credit Illegally : FRAUD ACCOUNTS : ________________________ - 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 non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 2023-07-25
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX ( Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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. 

Remove this late payment and update this account immediately as you are in Direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: Carter-Young, Inc.
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent a letter via certified mail to Carter-Young, Inc requesting validation of the debt they say I owe. I still have not received the information that I requested from this company. This debt still appears on my credit file as a negative account. It is causing many disruptions in my life, including finding a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an collection from XXXX XXXX had been put on my credit report with a pass due amount {$1300.00}. i reached out to the XXXX XXXX via certified mail about debt owed and got no response.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I purchase many items such as an air fryer/ mircowave on XX/XX/2023 and return items to XXXX XXXX XXXX XXXX because my son couldn't use items because he had purchase already. days went by and no store credit. I called bank of america and representative stated they were refunding my whole receipt amount for {$230.00}. Now in XX/XX/2023 they have readjusted my acoount to over draft of {$230.00} and tooken {$25.00} that was in my account and still over drawn weeks later.

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