BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2021-08-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been renewing my student loans for about 9 years but did not receive a renewal application for IBR last year and this year. I faxed Navient but did not get a reply. 

Hope you can assist me with this issue. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was requested by a XXXX XXXX XXXX an amount of {$1500.00} as deposit for a rental apartment in XXXX. This amount was sent by XXXX XXXX Zelle on XX/XX/2023. Upon arrival to the apartment, he/ she never showed up and there was no such apartment as well. I have never been a victim of such a scam. A previous payment to XXXX ( @ XXXX ) to the same person of {$850.00} was refunded by XXXX. This was part payment to the same rental. 

The Zelle payment is being denied by my bank XXXX XXXX as " nothing they can do ''. 

Claim : XXXX Zelle Transaction ID : XXXX The name in the lease is XXXX XXXX. Payment was requested by a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This needs to be removed from credit report. It is not accurate.

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 2021-01-22
Company: Experian Information Solutions Inc.
State: NJ
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 sent a letter to Experian, XXXX, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
TransUnion via the website the CFPB directs us requires users to create an account with them to correct inaccurate data- my birthdate is inaccurate by 7 years. Why should I have to create an account w ith a 3rd Party  who reports on my credit without my consent in order to fix their inaccurate information in order to get it fixed.   A secure system through the CFPB should be available to allow simple corrections of this nature to be submitted without creating an account with each of these  XXXX  outfits.

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 2019-02-25
Company: Sortis Financial, Inc.
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to a settlement with Sortis Financial, on a condominium I purchased in XXXX. I had secured a {$61000.00} HELOC, during the purchase of the condo, but because I lost my job in XXXX, I could not pay the monthly payment. I stopped paying and in XXXX I agreed with Sortis that the loan will be reduced to {$18000.00} and I would make monthly automatic withdrawals payments from my bank account. After about 5 years Sortis stopped collecting the monthly payment. As a result I thought that the agreement was resolved. Unfortunately, I did not know that they stopped collecting because they arrange payments in 48 month increments. 
Accordingly, I put my property on the market to find that the HELOC was still a debt on the property. I contacted Sortis and found out that of the {$18000.00} agreement I had paid {$17000.00}, 97 % of the agreed amount. Therefore, I asked Sortis if I could pay off the balance on the agreement to resolve this debt. I contacted Sortis XX/XX/XXXX asked for a resolution. Sortis said they needed to contact their client and would get back me and let me know what their client said about the offer to resolve the debt. On XXXX XXXX, XXXX, I had not heard back from Sortis, so I called them myself. They did not have an answer, but they said they would follow up the next, which they did and denied my request to pay the balance from what I previously paid and the agreed amount. I then made an offer to pay {$3000.00} to resolve the matter. One week later, XXXX XXXX, XXXX, I still had not heard from Sortis, so I called them again and they still had no answer to my offer to pay extra to resolve the matter. But Sortis said they would call me on XXXX XXXX, XXXX, today is XXXX XXXX, XXXX and I still have not heard from them. 
I understand this situation was caused by a misunderstanding or miscommunication but I'm trying with good faith to resolve the matter and they are not acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: CA
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 have disputed the following account on several occasions and Experian keeps saying the account has been verified. I sent several letters requesting Experian provide me with the information on how the company XXXX  XXXX and validated this account and each time I have never received the information. In addition each time that I disputed this account i also provided a email between myself and the company with them stating that they could not find an account with my information.

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 2017-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I 'm trying to get a loan for a mortgage on a house and equifax is saying that the applicant ( me ) is blocked and are n't giving my credit report to the lender. It 's been  three  weeks and I 've faxed them all my information that they 've asked for which was my Ssn and id and they 've told me that all three times I 've sent it to them that they have n't received anything from me. The first time I faxed them was on the   XX/XX/XXXX   then  XX/XX/XXXX    then again on the   XX/XX/XXXX   and nothing has helped

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Account information incorrect

Complaint:
4 credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. XXXX  XXXX $ paid off, as well. Score didn't increase as with other 2 agencies. Usage below 1 %. Please correct paid account and revise score for Experian. 
XXXX and XXXX both have 2 hard inquiries more than 2 yrs old. Should only be 1 hard inquiry.

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 2021-05-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I also just received a large amount of money from my phone that I sold so yeah. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
According to the Fair Credit Reporting Act, title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC has willfully and knowingly and intentionally violated my rights furnishing XXXX XXXX # XXXX without my written instructions nor lawful consent. 

According to the Fair Credit Reporting Act 1681o ( a ) I, XXXX XXXX, Consumer am due for compensation from TransUnion LLC for noncompliance of the Fair Credit Reporting Act.

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 2022-01-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXXXXXX Got a called, which seemed to be a scam. They stated that I owed 5/3rd  bank XXXX dollars from XXXX. 

I hung up and called 5/3rd bank and they confirmed that I never owed money to them, I had an account prior to XXXX. 

I called back after speaking to 5/3rd bank and when transferred to the " case manager '' the receptionist wasn't muted and she was making a lot of negative comments. I asked what kind of scam they were running and she said they were sending it off to an attorney and hung up. 

They were predatory and pushing for me to pay over the phone. Insisting my current bank accounts would be frozen if it was not paid by end of business and an attorney im my jurisdiction would be filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Transunion that the 13 complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that FCRA 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA 15 U.S.C. 1681B states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via 15 U.S.C. 1681a ( d ) ( 2 ) ( B ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within 15 days according to 15 U.S.C. 1681i but the agency also did NOT comply with the law yet again. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative. Also note, XXXX XXXX, General Counsel, understood my request and deleted the other accounts so it appears the person reading this is not the right person. Side note, how is it that my rights were upheld with the other accounts ( see attachment below ) yet the transaction in question is being disregarded?

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 2022-09-09
Company: Experian Information Solutions 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 ; XXXX  account # XXXX has violated my rights. 
affirm account # XXXX has violated my rights affirm account # XXXX has violated my rights affirm account XXXX XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights XXXXXXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chime bank - I had over {$5000.00} dollars in unauthorized fraudulent charges on my account when I called to dispute it was immediately denied as soon as I hung up, I called back they said they needed more information I sent them the info that I had and was given the run around and told by a second agent to appeal to denial can take 45 days How? when the investigation was supposed to take 7-10 days but was immediately denied with no investigation done I called again Another agent told me my claim was reopened and it would take 3 - 90 days I was told by a 4th agent that it was a human mistake and the former agent erroneously filed my dispute causing it to be denied that they had recategorized it and That Id receive more information in 10 business days This is insane and completely unprofessional for a bank that claims your money is FDIC insured up to {$250000.00} This is very upsetting that I was charged all this money and cant get it back because of an error on their behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Account information incorrect

Complaint:
I've contacted Experian to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Experian states they are not receiving documents even thorough it was sent out twice Account : 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