BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit 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 TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.

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 2019-04-25
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During my services in the XXXX my identity was compromised. I have worked hard to get this resolved. However, today I discovered that Experian has a Rental History department and it is negative reporting false accounts with XXXX and XXXX XXXX. I have never rented or done any buisness wit h either entities. I demand that this and all other negative items be removed from my Experian renal history department. When i contacted Experian 's rental history department they stated that it was separate from the credit department. I have emailed the FTC Affidavit to Experian ' rental history department. I was denied a rental property for this.

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 2023-08-04
Company: World Acceptance Corporation
State: SC
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:
I would like WORLD FINANCE TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX incorrectly charged me late fees for all my bill payments made on time. My XXXX XXXX account number is XXXX. 
I purchased furniture from XXXX XXXX at their XXXX, CA location in XX/XX/XXXX. They suggested I finance for a 0 % interest for 12 months loan through XXXX XXXX. The promotion required that I pay a minimum monthly fee to be received by XXXX XXXX before XXXX on XX/XX/XXXX of every month. I setup a recurring epay from my bank, XXXX XXXX XXXX XXXX ( XXXX ) on the XX/XX/XXXXof every month. To my dismay, I received a billing statement that my payments were late and that I was charge penalty. 
I contacted my bank, XXXX who told me that all my payments to XXXX XXXX were made before XXXX on the XX/XX/XXXX of every month. I have documents which indicate that all payments were made by DCU on time. However, XXXX XXXX continued to charge me for the late payments and the interest from the late payments. 
I have proof from XXXX that all payments to XXXX XXXX were made before the due date and time. However, XXXX XXXX may have processed these payments late and charged me the late payments.

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 monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It XXXX Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against XXXX credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information. 

I have disputed these unauthorized hard inquiries with XXXX in writing on [ dates ] but the information remains unchanged. XXXX has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into XXXX for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, 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 2023-03-05
Company: Bread Financial 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:
In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. 


COMENITYBANK/VICTORIA Account XXXX XXXX {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX & XX/XX/XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. 

on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. 

Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! 
something needs to be done, I have never been treated so poorly by a credit card comapny as I have been through capitol one from NO FAULT of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, XXXX fraudulent transactions were made on my Wells Fargo debit card. The charges were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX. I did not make or authorize these charges which were made at XXXX stores in XXXX, XXXX. I had been in XXXX in the days before XX/XX/2023, but at the time these charges were made, I had left XXXX and was in XXXX, XXXX. I have provided proof that I was not in XXXX to Wells Fargo, and they continue to deny my claim. 

Prior to these debit card charges being made, someone tried to make CREDIT card charges at XXXX and another store in XXXX ( again at XXXX for {$8800.00}, and XXXX for {$1800.00} ). Wells Fargo sent me a fraud alert about the credit card charges and I replied that I did not make the charges. Those charges did not go through. However, I never received fraud alerts for the debit card transactions, and I did not know they had been made until approximately XX/XX/2023, when Wells Fargo told me my checking account attached to my debit card was overdrawn. I immediately challenged the charges. 

My boyfriend who as traveling with my got fraud alerts on his credit card at roughly the same time for a charge at XXXX. He informed his credit card company that he did not make that charge. 

*Note : The charges were made on XX/XX/XXXX which is the date in the XXXX XXXX In XXXX, the date was XX/XX/XXXX. I am attaching flight details showing I left XXXX at XXXX XXXX, on " XX/XX/XXXX. '' Translating that date and time to XXXX time, means I left XXXX at approximately XXXX XXXX on XX/XX/XXXX. I had been in the airport for XXXX hours before my flight left.

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 2019-07-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't have an itemized explanation of the debt from the collector, However, they say that I owe {$2100.00} to a Creditor named XXXX XXXX for legal fees, cleaning, and rent which is not applicable to me. I think they are starting from XX/XX/2019 which is before the time I legally moved from the Apartment. 

The Collection agency is IQ DATA INTERNATIONAL. XXXX XXXX XXXX, XXXX, WASHINGTON XXXX. 

THE CREDITOR IS XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX CT XXXX. 

THIS CREDITOR IS SCAMMING TENANTS TO MAKE MONEY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is an account on my Transunion credit report from XXXX. This account was discharged due to XXXX and XXXX XXXX years ago after being diagnosed with a XXXX XXXX. Transunion is the only credit bureau that can not seem to get it straight. I have submitted paperwork to show the account was discharged. In fact, I have been denied mortgages and other loans due to this account being reported incorrectly. It is time that Transunion be held liable for their incorrect reporting of this account. The account is due to fall off in a few months according to the credit report. I have been dealing with this for years. It is clear that the accounts were discharged because all of the other ones have been updated and removed. It should be a simple task to research this and remove the item.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 theFair Credit Reporting and 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. 

XXXX XXXX XXXX. Account XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2020-03-02
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Three Original loan amounts were {$9400.00}. Current debt is at {$32000.00}. Multiple issues getting these paid off. I'll use one loan as example for this complaint which the original loan amount was {$3700.00} with a current balance of {$20000.00}, interest is set at 13.75 % and they will not negotiate. In XX/XX/XXXX my payment terms changed and was asking for over {$400.00} per month, I could not afford that and called to make arrangements. I was told I did not qualify for any programs. I made a large payment in XXXX of which {$280.00} went to interest and {$0.00} to principle. XX/XX/XXXX I get hit with {$620.00} of capitalized interest increasing my principle balance for the year by {$260.00}. This type of issue has been going on for multiple years and Navient ( previously under Sallie Mae ) has not been helpful in getting these loans paid down. My account history is likened to loan shark practices as every option offered only gets me farther in debt -- Since XXXX there has been over {$2000.00} in capitalized interest on this one loan ( recall the original principle was {$3700.00} ). I was told during my last call that I can only redo repayment terms twice in a two year period, but the terms are only good for 6 months. This leaves 1 year of time I am unable to pay the minimum payment which only increases the debt and ruins my credit along with any ability to refinance the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CarFinance Capital LLC, Irvine, CA Branch
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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquires from CARFINANCE.COM that I do not recognize and I would like for those to be removed from my credit report please. 
Here are the dates. 

XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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: Account information incorrect

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX  XXXX XXXX ACCOUNT NAME : 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