BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I previously disputed this account because they keep furnishing inaccurate information by telling the credit reporting agency TransUnion I was late XXXX but on-time XXXX. It's impossible to be late and on-time in the same month ; it's clearly inaccurate and against all laws on consumer rights. This account needs the removal of all late payment transactions to be corrected to PAID ON-TIME, NEVER/LATE because of inaccurate reporting. 

XXXX XXXX has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I've had previous contact with XXXX XXXX about reporting to TransUnion that in XXXX I was 90 days late, then in XXXX I was 90 days late. That's clearly inaccurate because you wouldn't lose 30 days of payment history going into the future ; if anything, it would've or should've been 150 days late after XXXX. They were unable to adjust the inaccuracies of my transaction history with them in a timely manner. By law, I am requesting the removal of all late payment transactions and to be adjusted to PAID ON-TIME, NEVER/LATE because of inaccurate reporting.

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 2023-02-14
Company: EQUIFAX, INC.
State: LA
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 is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2020, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. I have received the following answer from the agency 'This account was recalled by the creditor in XX/XX/2020. XXXX  is no longer handling the matter and requested removal of the account trade-line from the credit reporting agencies at the time of recall. ' According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this 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 2021-03-21
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2021, made a purchase with prepaid card thru Paypal for XXXX received confirmation with the order number. Later that same day the company authorized the same amt for XXXX and then hours later again for XXXX. This put a pending hold for 3 amounts of XXXX on my Netspend account, immediately I checked and confimed it was for 1 order. I tried contacting Paypal informed it couldn't be disputed since they hadn't taken the money. I cancelled the card with Netspend because of unauthorized charges and contacted the company. They cancelled the order-did n't know why it was trying to take out more money and sent an email confirming cancelled. A week later there is still 3 pending amounts for XXXX. Netspend said it will still show pending for 30 days because the company can still take the money and I'm not able to have access for those 30 days. The card is cancelled, an email confirming cancelled and Netspend refuses to release money and said nothing they can do. Per Netspend I should dispute charges but when I went online with Netspend to dispute, they sent email saying can't dispute because all 3 transactions are pending. I have talked to the supervisor and was told this is a Netspend policy to hold pending transactions for 30 days without the funds being accessible. The card is cancelled, and it appears the company was trying to check how much money I had in my account was a scam.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 2023-08-19
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: AZ
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 Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received checks from t d bank. I never opened an account with them. The checks had my name and address but not my number and under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 recently disputed accounts that were incorrect on my Trans Union report. It hasn't been corrected and it's not accurate as the FCRA Laws says it should be. They refuse to do a proper investigation and correct multiple errors. 

XXXX XXXX XXXX Account # XXXX Charged Off showing a balance and payment history reporting on a closed account. Dtae opened shows 2 different dates. Dates of last activity is different. 


XXXX XXXX XXXX Account # XXXX High Balance Shows 2 different amounts Date of Last activity shows 3 different dates Showing a Balance and Payment history on a closed/charged off account Last payment showing 2 different dates.

This is violation of FCRA Laws.

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 2023-05-15
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NCB Management services is steadily reporting a past due amount of {$6400.00} on a closed account I had with XXXX XXXX on a voluntary repossession from XX/XX/XXXX. I have tried repeatedly to tell them the amount of not owed and it was settled with XXXX before they placed it on my credit in XXXX. I keep disputing it on XXXX XXXX but I have never personally received mail, a notice, an email or anything regarding this. I want it removed from my credit ASAP on all three credit bureaus as I believe they have taken a closed debt and trying to steadily destroy what little credit I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. They responded with a letter stating they verified this item through XXXX XXXX. I went directly to XXXX  XXXX to dispute the items in question and XXXX XXXX could not verify the items s because they were not in their database nor have they received a dispute from TransUnion. 

I then went back to TransUnion on XX/XX/XXXX and showed them the letter from XXXX  XXXX stating there are no bankruptcies in XXXX  XXXX  database informing them if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

These 2 items needs to be deleted from my credit report if it can not be verified within 30 days.

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 2023-09-17
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: Information belongs to someone else

Complaint:
I haven't applied for any educational training. I think someone is using 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My ex got into my bank account and paid a debt over the phone with Blakely Witt and Associates. She is NOT an authorized user, and they knew the name on the account was not hers, so they told her she needs to wire {$4100.00}. She did. I am going through a mortgage program where they track your funds. I am now unable to obtain a mortgage. Blakely witt and associates refused to return my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a debt Collection notice on credit Report on XXXX2021. I never received a phone call or email from this company. They just started adding Degatory marks on my credit with out reaching out to me. I made contact with Sunrise credit services and requested information which they claimed they will resend the email and I should receive it with in 24hrs and I never received it the email. I have checked all my email folders including junk folder. I even reached out to my parents and I havent received anything from them in the mail. I feel like this company is hurting peoples credit without reaching out to 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 explanation
Consumer complaint received 2023-02-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
please make sure that I definitely want to sue the TD BANK BANK XXXX IN XXXX XXXX IN NEW YORK for flagging my account for no apparent reasoen an freezing my account too. the name of their supervisor id XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
I am interested in disputing all incorrect information on my credit report with transunion.

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 2021-03-05
Company: Affirm Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or aboutXX/XX/2021 I contacted Affirm to advise them that the retailer I purchased from XXXX was not honoring their return policy. The website and my receipt said the product was refundable but their customer service said it was not. Affirm said they would open a dispute and resolve it within 30 days ( this timeframe included a 15 day evidence gathering period in which I submitted documentation ). OnXX/XX/2021XXXX reached out to me and advised me they would accept my return and refund me the expected cost of {$53.00}. I used the return label provided to me and a refund was issuedXX/XX/2021; XXXX advised to allow up to 5 business days for Affirm to be notified. OnXX/XX/2021 I emailed Affirm the evidence of the refund and asked for a status update. There was no response. I emailed againXX/XX/2021 with no response again. I have not been able to make payments to Affirm for this order per their policy of locking the order and it is now also showing up to other creditors as missed payments. I am now at 45 days with this dispute with Affirm which has been resolved for 30 days and have had no contact. I would like them to place the refund on the account and reactivate my good standing - allowing me to pay the remainder of my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 - ( 5 ) debt validation request letters were sent by certified mail to ARS Account Resolution Services because I believe my HIPAA rights were violated. The debt validation request letters specifically requested that ARS provide a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to ARS, and to cease any credit bureau reporting until the debt was validated by me.

First and foremost, ARS neglected to cease any credit bureau reporting. It took several weeks before a response was sent by ARS, but they continued to report to the credit bureaus completely neglecting my request.

ARS sent 3 letters back to me with NONE of the information I requested in the 5 debt validation letters I sent by certified mail. The letters ARS sent only presented a bill identical to the bills they've sent in the past attempting to collect a debt.

Within the letter, I stated clearly that withholding the information ARS received from any medical provider could be a violation of my rights, which they disregarded and neglected.

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 2023-07-20
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:
I am writing to report an incident of identity theft that I recently discovered. I believe my personal information has been compromised and used fraudulently without my consent. I am seeking your assistance and guidance in addressing this matter.

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 2021-03-21
Company: EQUIFAX, INC.
State: VA
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 submitted my dispute letters to Equifax over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation and i am entitled to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, 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 : 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 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